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USAA Secured AmEx

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Marths
Contributor

Re: USAA Secured AmEx

I somehow forgot my password since this morning, and the password retrieval process is kind of a pain. So I just made a new account. 

 

Anyways, so I was looking and just decided to apply for a Chase Slate Card and was automatically approved for 1k. I'm going to go ahead and get that, but Im curious. Should I just garden that and forget the USAA secured, or should I get the USAA secured card as well and garden them both?   

 

 

Also off-topic, how do I get those little signature things all you guys have that say what cards I have? Smiley Surprised



265k FHA Home Loan @ 2.65%
102k GM Financial Auto Loan @ 2.90%
25k USAA Auto Loan @ 5.99%
25k NFCU Auto Loan @ 6.00%


March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
September 2024 - CK(TU-803, EQ-810),EX-805
Message 11 of 19
Marths
Contributor

Re: USAA Secured AmEx

I was feeling lucky, so I decided to go ahead and apply for the United MileagePlus Explorer card, and I was instantly approved for 5k CL. I guess Im not going to get the secured card anymore since I know have to spend $1k in 3 months! lol



265k FHA Home Loan @ 2.65%
102k GM Financial Auto Loan @ 2.90%
25k USAA Auto Loan @ 5.99%
25k NFCU Auto Loan @ 6.00%


March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
September 2024 - CK(TU-803, EQ-810),EX-805
Message 12 of 19
gdale6
Moderator Emeritus

Re: USAA Secured AmEx


@Marths wrote:

I somehow forgot my password since this morning, and the password retrieval process is kind of a pain. So I just made a new account. 

 

Anyways, so I was looking and just decided to apply for a Chase Slate Card and was automatically approved for 1k. I'm going to go ahead and get that, but Im curious. Should I just garden that and forget the USAA secured, or should I get the USAA secured card as well and garden them both?   

 

 

Also off-topic, how do I get those little signature things all you guys have that say what cards I have? Smiley Surprised


You need to move up in rank some before you can actually add them, not sure what rank you have to obtain others will know that    http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td...

 

Grats on both of your new card approvals Smiley Happy

Message 13 of 19
corymcd88
Valued Contributor

Re: USAA Secured AmEx

I had a secured cc for three years with USAA, perfect payments and no cc offers. 833 EQ FICO. My parents have gotten offers all the time with no cc with USAA. So don't feel bad.

Message 14 of 19
NRB525
Super Contributor

Re: USAA Secured AmEx


@Marths wrote:

I was feeling lucky, so I decided to go ahead and apply for the United MileagePlus Explorer card, and I was instantly approved for 5k CL. I guess Im not going to get the secured card anymore since I know have to spend $1k in 3 months! lol


well that blows the whole secured USAA CC game out the window. Smiley Surprised

 

Congratulations! when in doubt, just app the card! Smiley Happy

 

(and to be sure to get your siggy updated, you have to remember your password so you can keep logging in here, and after you post some number of times, your account graduates) Smiley Tongue

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 15 of 19
Marths
Contributor

Re: USAA Secured AmEx

Ohhh kay thanks! 

 

I don't understand this. How was I denied for a Discover IT student card. Yet I was instantly accepted for 5k United Mileageplus, and 1k for Chase Slate... Awell these will help me more with building credit I think. Plus my goal was this United Milageplus anyways since I fly a lot. Smiley Happy



265k FHA Home Loan @ 2.65%
102k GM Financial Auto Loan @ 2.90%
25k USAA Auto Loan @ 5.99%
25k NFCU Auto Loan @ 6.00%


March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
September 2024 - CK(TU-803, EQ-810),EX-805
Message 16 of 19
NRB525
Super Contributor

Re: USAA Secured AmEx


@Marths wrote:

Ohhh kay thanks! 

 

I don't understand this. How was I denied for a Discover IT student card. Yet I was instantly accepted for 5k United Mileageplus, and 1k for Chase Slate... Awell these will help me more with building credit I think. Plus my goal was this United Milageplus anyways since I fly a lot. Smiley Happy


Mileage Plus is an AF card. It is also co-branded, and very possible that the United MileagePlus underwriting at Chase is more lenient than regular Chase, and Discover, and USAA.

 

Among AMEX Centurion cards, the Delta Gold SkyMiles card is rumored to be the easist card to obtain. You could try apping that at some point soon and may find success there. No guarantees, and you have to decide if it is a card you want and all. With AMEX, even if they give you a $1k limit (a $500 limit is possible) the AMEX 3X CLI program makes it highly likely you can grow the CL with good payment action to AMEX (and every other CC)

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 17 of 19
Marths
Contributor

Re: USAA Secured AmEx

I guess I was really low balling myself. I applied for AmEx Blue Cash Everyday, just because I didn't plan on applying for anything else for a couple years, so why not?

Was instantly approved for 2k CL. Interesting day indeed. 

 

Im just so confused. I don't know how to deal with my life. 



265k FHA Home Loan @ 2.65%
102k GM Financial Auto Loan @ 2.90%
25k USAA Auto Loan @ 5.99%
25k NFCU Auto Loan @ 6.00%


March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
September 2024 - CK(TU-803, EQ-810),EX-805
Message 18 of 19
NRB525
Super Contributor

Re: USAA Secured AmEx

That's easy. Stop apping now Smiley Happy

 

You've got cards that will see you through the next several years with decent rewards and the United AF you have to pay to keep that one.

All you have to do is only charge what you can pay immediately on any of the cards, pay by the due date on the statement, and your credit file will grow month by month.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 19 of 19
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