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Yea... they should be able to easily provide that info.
Ok, I'll try that tomorrow, give them a call, see if I can snatch the closing date. Not sure if they'll give it to me. Might be a sign of me trying to win the game, lol
haha.... good luck!
Thanks!
Anytime
Congrats on your score increase!!
I love my USAA card. I have the amex Cash Rewards plus -- I'm also an AU on the Preferred Cash Rewards Signature visa (1.5% cash back on everything) but I only use that when I'm purchasing stuff on behalf of my parents (they are the primary holders and constantly asking me to buy stuff online for them... because idk, Amazon is too hard... ?).
But I love the amex - I've only had it for a few months but use it a lot - mostly for gas as you get 5% cash back for gas up to $3K per year. The rewards structure is unlimited 1% on everything + 4% on gas, 2% on supermarkets so you end up with 5% on gas and 3% supermarkets. They also have a fantastic member mall which yields really good savings (on top of your cashback) at various stores --- and not stores that no one shops at -- good stores like Best Buy, Nike, Dicks, Macys etc. A lot of options to choose from in the member mall - I saved almost $300 on xmas shopping because of the member deals and extra cash back bonuses. Cashback is also easy to redeem. They seem to be pretty generous with starting credit card limits from what I've seen; eligible for limit increases every 6 months -- CLIs are, apparently, generous too. And, they have great customer service (in my experience). They are very lenient with the use of cash advances and convenience checks -- unlike some other creditors, they don't mind at all and actually encourage you to use them. I received 15 convenience checks with my card... So that's really good to have available just in case of an emergency.
Their banking (checking / savings) is also really good -- no fees, no minimums, easy transfers to external banks, direct deposit received 1 day early, etc. Their car nsurance rates kinda suck in comparison to others though. I think their rates win out if you bundle a bunch of insurance policies though.. like home, life, auto.
I don't know about their pre-qual / pre-approval mailings -- I cold apped and got an instant approval. They pulled Experian -- I had 3 new accounts opened the month before I apped - so they don't scare easy; score was 771 at the time; 7 inquiries (3 in the last 12 months). I think, so long as you have no other open balances from negative accounts - you should go ahead and app. Worse they can do is say no -- and if they do say no, call them and ask for reconsideration; even if they started you with a lowish limit -- it would grow quickly once they see good behavior.