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USAA Members, which CC is most "liberal?"

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bbrannan
Regular Contributor

Re: USAA Members, which CC is most "liberal?"

I have the USAA World M/C and AMEX. Not sure what my score was when I was approved for the M/C but the AMEX showed a EQ score of 646 if that helps.

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Message 11 of 21
Revelate
Moderator Emeritus

Re: USAA Members, which CC is most "liberal?"


@suebee123 wrote:

I got there World Mastercard with a EQ 675.  They did tell me when I app'd that they have another card with a lower limit that I might also qualify for if I wasn't approved for the World Mastercard.  But, I got the World Mastercard with 4000.00 limit.  My daughter got they're Visa, she's  22 yrs. old.  I don't know what her scores were, but she only had one other credit card at the time with a 500.00 limit (citi).  They gave her 3000.00 limit.  I think If your a full member the score requirements are much less. 


+1

 

I don't fully know what products qualify for the counter-offered USAA Classic card  (it's unsecured, search this forum for it, circa 3-4 weeks ago) but it's an offer they will make to full members with marginal unsecured credit profiles... it's the one I'm hoping to obtain at the end of the year.  




        
Message 12 of 21
Anonymous
Not applicable

Re: USAA Members, which CC is most "liberal?"

I went with impulse last night and applied. I was approved for the Rate Advantage Mastercard and Platinum Mastercard. I applied for the rate advantage first and with the surprise of the approval impulsive applied for world mastercard. I received the platinum instead. Both have $2k limits. I'm still pleased. I've come a long way in the past year. With some age on my inquiries, I hope to be eliigible for CLI's. 

Message 13 of 21
suebee123
Frequent Contributor

Re: USAA Members, which CC is most "liberal?"

Yay!  Congrats.  I have read that you can apply for a cli every 6 mos.  Will be a hard pull, and you can ask for double your cl.  So, you can ask them to raise it to 4000.00 after 6 mos.  I am waiting till July to ask for my first cli.  They are awesome...love USAA!

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Message 14 of 21
Anonymous
Not applicable

Re: USAA Members, which CC is most "liberal?"

Thanks! Looking forward to that. And by that time I won't have the nailbiting "fear" of a hard pull. If I can't get an old paid collection from First Premier removed, my CRs will be clean!

 

 

Message 15 of 21
CS800
Super Contributor

Re: USAA Members, which CC is most "liberal?"

I have two of their cards.

 

The AMEX Rewards and a regular platinum  -- CL $4k and $1k respectively.

 

 




Message 16 of 21
Anonymous
Not applicable

Re: USAA Members, which CC is most "liberal?"

What is the difference from being a member and a full member of USAA?  I have my auto insurance through them and a life insurance policy.

Message 17 of 21
suebee123
Frequent Contributor

Re: USAA Members, which CC is most "liberal?"

I think to be a "full member" you must have served in the military or have become a member through a family member who was in the military.   Anyone else can join but they are "limited" members.

 

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Message 18 of 21
namvet
Established Contributor

Re: USAA Members, which CC is most "liberal?"


@suebee123 wrote:

I think to be a "full member" you must have served in the military or have become a member through a family member who was in the military.   Anyone else can join but they are "limited" members.

 


+1 Roger that!    Once you get in with USAA you will soon find out that you don't need other credit cards. 

Message 19 of 21
suebee123
Frequent Contributor

Re: USAA Members, which CC is most "liberal?"

+1...I agree...LOVE USAA! 

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Message 20 of 21
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