My chances with USAA?

[insidious28]

I know that USAA pulls Equifax and I have 4 inquiries on my Equifax file and recent lender pull of my Equifax Fico is 739.  What are my chances with USAA with 4 inquiries and 2 of the inquiries from last year and 2 from this month?  Am I good or should I wait a few months to let the recent inquiries age?  I would like to get an USAA card cause I here good things about them and they always seem to give good starting CLI's.

[suebee123]

Based on your scores I say go for it.  Are you a limited or full member? I am a full member and I got a World Mastercard with a 4000 limit 3 weeks ago, and yesterday checked "my offers" on the website and I was pre-approved for the USAA Amex.  I got a 1000.00 limit and you can see my scores are no where near yours.

[Anonymous]

I say "Go for it!", too!

[insidious28]

I am a limited member.  Will that negatively affect my chances in any way?

[suebee123]

Not with your scores...they supposedly have "easier" requirements for full memebers (hence my scores).  I think your ok.

Let us know how it goes.

[insidious28]

Approved for a world mastercard for a CL of 11k  I really don't know how these companies come up with their starting CL's.  They are all different from each other.  Approved for many cards these last 4 months with starting CL's of 800, 1000, 1000, 1200, 3000, 6000, 7000, and now 11000.  Is there any ryhme or reason to how they set your starting CL's?  Pulled my Equifax after apping with USAA and it went up from the last time I pulled it, even with the USAA inquiry showing up on it.  It's now at 754  Used the Fico score simulator and it says the best action I can do is to pay down  90%-100% of my credit card balances over the next 24 months and my score would range from 797-817.  I'm using 14% of my available crdit and I'm actually planning to pay it down to about 1-2% utilazation in the next 2 months and then I'll wait a month to pull my fico score again and see if I can be in the 800 club.  That'll be great if I can get there.

[Anonymous]

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@insidious28 wrote:

Approved for a world mastercard for a CL of 11k  I really don't know how these companies come up with their starting CL's.  They are all different from each other.  Approved for many cards these last 4 months with starting CL's of 800, 1000, 1000, 1200, 3000, 6000, 7000, and now 11000.  Is there any ryhme or reason to how they set your starting CL's?  Pulled my Equifax after apping with USAA and it went up from the last time I pulled it, even with the USAA inquiry showing up on it.  It's now at 754  Used the Fico score simulator and it says the best action I can do is to pay down  90%-100% of my credit card balances over the next 24 months and my score would range from 797-817.  I'm using 14% of my available crdit and I'm actually planning to pay it down to about 1-2% utilazation in the next 2 months and then I'll wait a month to pull my fico score again and see if I can be in the 800 club.  That'll be great if I can get there.

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Congrats! What is the income you put down if you don't mind me asking

[insidious28]

Well last year on my tax returns my income was 186k but that was due to bonuses so I just put a modest amount of 75k on app so that way if they do decide to FR me they can see that I make more than what I stated.  My actuall income before bonuses is 102k

[Anonymous]

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@insidious28 wrote:

Well last year on my tax returns my income was 186k but that was due to bonuses so I just put a modest amount of 75k on app so that way if they do decide to FR me they can see that I make more than what I stated.  My actuall income before bonuses is 102k

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That's a nice income! What kind of job pays that well? If you don't want to say I understand

[insidious28]

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@Anonymous wrote:

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@insidious28 wrote:

Well last year on my tax returns my income was 186k but that was due to bonuses so I just put a modest amount of 75k on app so that way if they do decide to FR me they can see that I make more than what I stated.  My actuall income before bonuses is 102k

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That's a nice income! What kind of job pays that well? If you don't want to say I understand

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Not at all.  I'm a senior financial analyst and the company I work for I'll keep that to myself