USAA credit score for a credit card?

[corymcd88]

I;m a USAA member and wanted a credit card with them and wanted to know what score do they like to see. I just don't want to apply and they say no.

[Ron1]

Are you a full member or partial member?  How many inquiries do you have on EQ? What is your credit utilization?

Ron.

[Anonymous]

---

@corymcd88 wrote:

I;m a USAA member and wanted a credit card with them and wanted to know what score do they like to see. I just don't want to apply and they say no.

---

It's hard to say really but knowing that you currently have an invalid CO on your report. I would get that removed before applying for any credit card. Btw the score posted in your signature is that a FICO score or the USAA FAKO score?

[eparker]

They pull EQ.  if your score is decent you should get approved.  I had a few baddies and I have two cards with them.  A mastercard @ $1500 and a secured Amex @ $500.  If you are denied they may give a counter offer.  I talked to CSR about credit increases, and they dont want to see your cards maxed out.  I have an active collection on EQ and was approved with USAA.  

Their secured cards dont graduate and you have to reapply for another card.  If you can get one, go for it.  When I apped with them my EQ was around 650.

Good luck....

[corymcd88]

---

@Ron1 wrote:

Are you a full member or partial member?  How many inquiries do you have on EQ? What is your credit utilization?

Ron.

---

Partial member I think. EQ: 10 inq.

[corymcd88]

---

@Anonymous wrote:

---

@corymcd88 wrote:

I;m a USAA member and wanted a credit card with them and wanted to know what score do they like to see. I just don't want to apply and they say no.

---

It's hard to say really but knowing that you currently have an invalid CO on your report. I would get that removed before applying for any credit card. Btw the score posted in your signature is that a FICO score or the USAA FAKO score?

---

FICO score.

[corymcd88]

---

@eparker wrote:

@They pull EQ.  if your score is decent you should get approved.  I had a few baddies and I have two cards with them.  A mastercard @ $1500 and a secured Amex @ $500.  If you are denied they may give a counter offer.  I talked to CSR about credit increases, and they dont want to see your cards maxed out.  I have an active collection on EQ and was approved with USAA.  

Their secured cards dont graduate and you have to reapply for another card.  If you can get one, go for it.  When I apped with them my EQ was around 650.

Good luck....

---

I want an amex so bad, love the deal you get with amex. I hope I do. What Mastercard was it?

[Ron1]

---

@corymcd88 wrote:

---

@Ron1 wrote:

Are you a full member or partial member?  How many inquiries do you have on EQ? What is your credit utilization?

Ron.

---

Partial member I think. EQ: 10 inq.

---

I think you have too many inquiries (6 months or 2 years). They don't like high utilization (keep it under 5% utilzation). They denied me for Platinum MC because of high utilization. Do you have any late or past due?

Ron.

[Anonymous]

---

@Ron1 wrote:

---

@corymcd88 wrote:

---

@Ron1 wrote:

Are you a full member or partial member?  How many inquiries do you have on EQ? What is your credit utilization?

Ron.

---

Partial member I think. EQ: 10 inq.

---

I think you have too many inquiries (6 months or 2 years). They don't like high utilization (keep it under 5% utilzation). They denied me for Platinum MC because of high utilization. Do you have any late or past due?

Ron.

---

I hear they are INQ sensitive. Ron what was your UTI at the time of applying?

[Ron1]

Which credit card do you want to apply for?  Some of credit cards like Amex is for full member. I was able to get both World MC and Amex thru the backdoor. I heard they fixed the backdoor  a year ago. 

Ron.