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Hi everyone. I want to ask if anyone who has a USAA CC , if they know what their CC score was. The reason I'm asking is, I want to pull the trigger with them, but my utilization is kinda high as well as my inquiries. I don't want to spend the HP if I don't have to.
Thanks to everyone on this board! May your limits be high and your balances be low...
@jnkp2001 wrote:Hi everyone. I want to ask if anyone who has a USAA CC , if they know what their CC score was. The reason I'm asking is, I want to pull the trigger with them, but my utilization is kinda high as well as my inquiries. I don't want to spend the HP if I don't have to.
Thanks to everyone on this board! May your limits be high and your balances be low...
I was denied due to high utilization many years ago. My utilization was around 8%. I applied over phone. They pulled EXP. I think you need to pay it down your debt.
Ron.
FWIW, USAA CC approvals hinge quite a bit on whether you're a full member or not. If you are, I believe they tend to be pretty lenient with approvals and very generous with lines... On the other hand, you don't hear a lot of approval stories from partial members simply because very few products are available to them (us), and the ones that are just aren't very competitive.
I was approved in June for the USAA Amex and then in July for the Plat MC. My scores were in the mid 600's and I was approved with 4K each. I am a full member. They pulled EQ if I remember correctly.