TK...
Just like I told you in your last USAA post, I wouldnt get the secured CC. It doesnt graduate, and its a 2 yr commitment. The secured card may open doors for some, (that didn't burn USAA in some form of manner), but for us, who have, having their secured card won't help to get back in any sooner.
For those that IIB USAA, regardless if you got the secured card or not, there is still a significant amount of years that need to pass first for an unsecured product from them. Right now its 5-7 yrs for an unsecured CC with them post DC. Their rules/policy not mine.
I think a better way to help build a relationship at this point is to make regular monthly deposits into a savings acct with them, which is exactly what Im doing now. I too was offered the secured card, but Im WAYYYYY past a secured card at this stage. Ill just do my time, and try again next year at the 5 yr mark. Just my 2-cents.
Just like I told you in your last USAA post, I wouldnt get the secured CC. It doesnt graduate, and its a 2 yr commitment. The secured card may open doors for some, (that didn't burn USAA in some form of manner), but for us, who have, having their secured card won't help to get back in any sooner.
For those that IIB USAA, regardless if you got the secured card or not, there is still a significant amount of years that need to pass first for an unsecured product from them. Right now its 5-7 yrs for an unsecured CC with them post DC. Their rules/policy not mine.
I think a better way to help build a relationship at this point is to make regular monthly deposits into a savings acct with them, which is exactly what Im doing now. I too was offered the secured card, but Im WAYYYYY past a secured card at this stage. Ill just do my time, and try again next year at the 5 yr mark. Just my 2-cents.
@tussking wrote:Thank you pizza ! I didnt see your response in the other thread. Sounds like a great plan to me.
yep, I did post lol..
waiting is rough I know, but I can understand and accept their BK policy. Id be reluclant to loan money or give someone a CC again too if they BK'ed on me. I see their point of view. I may not like it, but I respect it. Ill try next year at the 5 yr mark, if not, Ill try at 6yr and 7 yr marks. Hearing that 7yrs is the mark though. Good luck to you in your decision. You do what you feel is right for you and your situation. 
@tussking wrote:Our scores are close...Any new cards you have gotten lately ?
When you say lately, you mean in the last month? LOL... just kidding. Last new accts for me was in April...Blispay $5k, and Penfed PLOC $5k. Im staying in the garden as far as new accts go, but I have a few cards I want CLI's on... But nothing for 6 months, God willing, LOL..