USAA Amex should I app?

[LS2982]

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@youngandcreditwrthy wrote:

Yes, a few veterans but they are dead:-/

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Others may chime in but I think thats the only way to get in if your not directly affiliated with the military.

[youngandcreditwrthy]

ohhhh

hmm

idk. I'll consider it for the future in that case.

[Ron1]

I agree with LS.  The card has tier rate. I've had the card for almost two years. USAA gave me a generous CL.  I think Amex BCE/BCP is better.  I heard they only give it to full member. 

Ron.

[youngandcreditwrthy]

Ron- do you think I'd get approved for the BCE Amex? I applied like a year and a half ago and was denied. I know Amex is a stickler:-(

I realllllyyyy want the BCE. The USAA Amex was a card I'd settle for in lieu of the BCE.

[Ron1]

I think you might get approved for Amex Zync with your score. First, you get the charge card. Then try to apply for Amex BCE after six months ( having the Zync card). The credit cards usually need higher score to get than charge card.

Ron.

[youngandcreditwrthy]

Ahhh! Good advice.... I'll still wanna get that util down on Trav Amex.

If I get approved for the Zync with NPSL vs the auto-pay one, would it be wise to apply for an Amex revolver the same day?

Thanks Ron! I can tell from your posts that you know what you're talking about! :-)

[Cageym]

I apped for and was approved for a Zync NPSL and immediatly (as in within minutes) apped for the Delta Gold, one HP for 2 cards. As always YMMV

[youngandcreditwrthy]

What were your scores Cagegym if you don't mind my asking? I'd say mine are all high 600's. I have deferred student loans which seems to matter a lot to Amex per my prev'ly denied app back in 2011.

[Cageym]

Same as listed right now, and I had an AoAA of about 1.5 years with no baddies, only card I had on my report was the Cap1. EDIT: All they pulled was EX.

[youngandcreditwrthy]

Oooooo Im soooo tempted my EX is my best report, surely at or topping 700 fico. Eeeeekkkk what waa your util? I just have util on one card as mentioned. I have several high limit cards with no balance though!