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USAA Amex cash rewards denied, but....

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Cracka
Valued Member

USAA Amex cash rewards denied, but....

I was hesitant to apply for a USAA CC especially since I was denied an Amex Costco True earnings CC the other day. I just paid all my CC debt off $30k and sent GW letters to clear some derogs and 1 paid collection from 2012. My CR's haven't really been cleaned up yet but I was pretty antsy....

However, since a credit card offer was in my Usaa offers page, I took a risk applying for it as others in the forum mentioned that offers were pretty much approved. So, I applied for the Amex cash rewards card. I got a denial initially, however, it said that I was approved for the Amex classic card with a 1k CL. Even though I was initially denied, I happily accepted this card as it's another step in the right direction!

Now off to the garden I go!


Starting Score: 639
Current Score: 648 EQ, 664 TU
Goal Score: 720

Take the myFICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
Barris
Established Member

Re: USAA Amex cash rewards denied, but....

That is good to hear. What was your FAKO when you got initially denied for the AmEx Costco card?

Message 2 of 11
09Lexie
Moderator Emerita

Re: USAA Amex cash rewards denied, but....

Wow! $30k in debt and PIF? I would run from new cc's
Message 3 of 11
sosabe77
Contributor

Re: USAA Amex cash rewards denied, but....

Congrats!  Did USAA ask for any verification documents like income statements?

Top 3: Amex BCP 25k - Chase Sapphire 17.5k - PSECU 20K


Starting Score: 714
Current Score: 759
Goal Score: 800

Take the myFICO Fitness Challenge
Message 4 of 11
SpecFile
Valued Contributor

Re: USAA Amex cash rewards denied, but....

Good for you! Congrats!
Message 5 of 11
Cracka
Valued Member

Re: USAA Amex cash rewards denied, but....

Hello Barris, my experian true plus EQ score was 678 but the myfico score was 639. When I tried calling for a recon at Amex she claims my fico was 609!!


Starting Score: 639
Current Score: 648 EQ, 664 TU
Goal Score: 720

Take the myFICO Fitness Challenge
Message 6 of 11
Cracka
Valued Member

Re: USAA Amex cash rewards denied, but....

I agree but like most users I was young and stupid as I racked up this debt. The latter part of my life (and credit) was spent using this for relocation expenses and home repairs when myth helps was maxed out (never a good idea!).


Starting Score: 639
Current Score: 648 EQ, 664 TU
Goal Score: 720

Take the myFICO Fitness Challenge
Message 7 of 11
Cracka
Valued Member

Re: USAA Amex cash rewards denied, but....

Sosabe77, no they did not request anything yet other than I needed to sign the usual agreements and disclosures etc.

Specfile, thank you!


Starting Score: 639
Current Score: 648 EQ, 664 TU
Goal Score: 720

Take the myFICO Fitness Challenge
Message 8 of 11
toi34
Established Contributor

Re: USAA Amex cash rewards denied, but....

What was your fico score st ther time of the initial?

Message 9 of 11
HYPASS33
Frequent Contributor

Re: USAA Amex cash rewards denied, but....

What CRA did USAA pull? I got denied on the Amex website so are these cards the same as I got denied for or is USAA different all together? My insurance is with USAA.
Message 10 of 11
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