USAA Credit Card

[TryN2Rebuild]

Does anyone know what score USAA is looking for to get a CC from them? Also are they BK friendly?

Thanks

[creditreformer]

Are you a full/military member or partial member?  I’ve heard they want ficos of 650 minimum for partial members.  I’ve also heard they’re not very bk/public records friendly, but may be more lenient if your bk was older.

[TryN2Rebuild]

I am a partial member and I do have a BK from 07. But have rebuilt since then. My TU is 649 and EQ is 643 not as high as I would like but getting there.

[creditreformer]

You may want to call them and see if you can feel them out about the bk.  I have a tax lien from 2003 + when I applied w/ficos higher than yours (they were 660ish), I got denied b/c of the tax lien.  However, USAA recently gave me a secured cc, so not all doors were shut w/them b/c of the tax lien.

[laz98]

what about collections?  are they more willing to work with you with collections on your account?

[Anonymous]

I am a full member (18 years worth), do my banking and my insurance with them. They have refused me for the last three years because of a collection that will fall off next year.

Keez

[laz98]

wow, that's terrible!  i will definitely not waste my time then

[Anonymous]

Actually, I love them. I get no banking fees at all, refunds on the first 15.00 charged by other banks for ATM usage each month and rebates on all check card purchases. Every year in December I get a decent rebate on my car insurance (with rates in Florida that I have been unable to even come close to with other companies). And I get interest on a checking acount that has no minimum deposit reuirement.

I can wait until the baddie falls off next year.

Keez 

Message Edited by keezdriver on 03-04-2010 09:21 PM

[recoverychick]

Last summer, I received a preapproval for Amex with a 5.5yr dismissed CH13. Accepted  Score was 702. Limit 18k (no request)  I accepted.  Had been a member for about 6 months.  No other accounts with them.

Good luck.

[haulingthescoreup]

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recoverychick wrote:

Last summer, I received a preapproval for Amex with a 5.5yr dismissed CH13. Accepted  Score was 702. Limit 18k (no request)  I accepted.  Had been a member for about 6 months.  No other accounts with them.

Good luck.

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This was a USAA AmEx?