usaa credit card

[creditguy-378]

wife got an offer in the mail for a usaa credit card i have a card with them and we have an account with them her scores are in the mid 600's when i got a card with them they pulled all 3 reports and i was in the high 600's low 700's so do you think that she has a good chance of getting the card her util is about 25% and aaoa is about 3 years and we have a 90k income between us

[konabill]

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@creditguy-378 wrote:

wife got an offer in the mail for a usaa credit card i have a card with them and we have an account with them her scores are in the mid 600's when i got a card with them they pulled all 3 reports and i was in the high 600's low 700's so do you think that she has a good chance of getting the card her util is about 25% and aaoa is about 3 years and we have a 90k income between us

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  USAA is great. My first major card was the Platinum rewards  with a 2K initial credit limit.   ( They only pulled EQ for me in Texas both times.......Second time was for my World Mastercard with $18K limit )  my EQ was mid 600ish too.   I cant say if she will be approved ......Just saying my scores were similar when I was approved. Good Luck

[jason86423]

I was just approved last week for the Platinum Cash Rewards Master Card with a limit of $4000.  I have opened a lot of "prime" accounts the last 12 months, 3 Amex cards, 2 Citi and a Discover. USAA pulled EQ only for me ( I'm in MI). Score was 696 (FAKO from the Equifax Complete site).  Got a decent rate and am hoping to grow even more with USAA.  I have a small checking and savings balance with them, no other products.  Instant approval.

If you have an inquiry to burn, it may be worth it to give it a try.  I've read nothing but good things about USAA.

[DrJim]

I can only tell you my story.

You see below what my scores are.  Last summer I applied, and received, an Orchard MC with a $300 CL.  I quickly checked my scores here (I had been repairing) and when I saw what they were immediately applied for Wells-Fargo and AMEX Gold.  I was approved for both, with an $11K CL with WF.  I let the accounts age for six months.

I app'd for USAA after receiving a pre-approval letter (I am a Reservist with 16 years of service including 18 months in Iraq in 06-07).  I was denied.  The reason was because of some old lates that didn't seem to bother either WF or AMEX.  I tried to recon and they wouldn't even consider it.  So, I immediate app'd for Navy FCU who gave me a visa with a $10K CL

I am sure USAA has their reasons.  What they don't have is my business

[eparker]

@ konnabill...how long did you wait before getting the second card.  I just got a Mastercard with them with a $1500. limit.  

[konabill]

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@eparker wrote:

@ konnabill...how long did you wait before getting the second card.  I just got a Mastercard with them with a $1500. limit.  

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      I waited 1 year before I apped for a second card. I used my platinum card  (first card) moderately and always PIF.  I also enrolled in their premium credit monitoring service and added direct deposit from my part-time "job".    I have read that USAA prefers "relationships and use of several products".     I really like  USAA...... BUT I had a few glitches to repair on my EQ report and when I apped for the second card my score was 760ish with VERY LOW UTIL.     Good luck   the world card has an 8.9% apr

[Anonymous]

I've been thinking about applying for there World Card myself but I pulled the trigger and applied for the Citi card. I use there premium credit monitoring service as I find it cheap and alerts are fast and accurate. Example.. when I applied for my new Amex at Costco before the girl could come back to the counter I knew I was approved.. I got a approval e-mail from Amex and the monitoring service sent a alert quick.. my droid blew up with vibration and sounds. The girl comes back and said "great news your approved" .. I follow by saying "yeah I found out a few mins ago"

[john398]

do they require low util?

[JagerBombs89]

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@john398 wrote:

do they require low util?

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A USAA representative once told me that they don't like to see more than 50% utilization on any single revolving account... not sure what their overall standard is though.