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Usaa Rate Advantage Visa Platinum Card Review

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What are the advantages of a USAA credit card?

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The Best Credit Cards for People with Fair Credit

Find the best credit card you can qualify for with fair credit.

Credit card resting on smartphone

The Best Credit Cards for People with Fair Credit

Find the best credit card you can qualify for with fair credit.

Credit card resting on smartphone (Getty Images)

Some credit cards for people with fair credit are stepping stones to building credit and getting a different card. They may have high interest rates and fees and few benefits. However, there are also credit cards for people with fair credit that are part of rewards programs, have few fees and offer helpful cardholder benefits.

When you apply for a credit card, the card’s issuer will likely pull your credit report and use a credit score to help determine whether you qualify. Many issuers use a base FICO Score, which ranges from 300 to 850, or a FICO Bankcard Score (an industry-specific credit score for card issuers) that has a 250 to 900 range to screen applicants. With both scores, FICO defines fair credit as a score of 580 to 669.

“Generally speaking, consumers with fair credit have made some credit missteps along the way,” says Heather Battison, vice president at TransUnion, one of the three major consumer credit bureaus. “Simple actions like paying bills in full and on time each month, establishing a positive payment history, and maintaining a low debt-to-credit ratio demonstrate responsible credit management to lenders.”

A credit card can help you build that positive payment history, as many cards report your activity to all three major consumer credit bureaus. If you have fair credit, you won’t be able to get approved for every credit card. However, choosing a card with few fees, a low interest rate or a rewards program could save you money. Here are three top picks to consider:


Apply Online For Benefits Of USAA Credit Cards

USAA credit cards are available in so many different types and packages so that everyone can find a card which is suitable for him or her. There are ten USAA credit cards in total and they are:

  • USAA Rewards American Express (to get more points)
  • USAA Cash Rewards American Express (to earn more cash)
  • USAA rewards World Master Card
  • USAA Cash Rewards World Master Card
  • USAA Rewards Visa
  • USAA Cash Rewards Visa
  • USAA Rate Advantage Master Card
  • USAA Military Affiliate Cards
  • USAA Active Military Master Card
  • USAA Secured Cards

What Are The Benefits Of USAA Credit Cards?

There are so many multiple benefits of the USAA credit cards like there is no annual fee. You can get the lowest APR, free travel and retail benefits. You can make your busy life very much simple. You can earn great discounts on gas, you can also choose your rewards or cash rewards program. If you are a military service member then you can take advantage of whole lot benefits of the reduced rate, SCRA rate of specially 4%, no foreign transaction fees, getting help services during deployment plus 100%rebate on the finance charges. The Master card credit cards present you with a whole lot services like rental car insurance, warranty protection, assurance coverage and additional benefits etc.

  1. You must have a computer along with an internet access.
  2. You must have an account on the USAA website and if you don’t have one then you will have to create one.
  3. You must have all your legal documents.
  4. You must be a legal citizen and a legal adult.


usaa rate advantage credit card

I just app#39;ed for the USAA Advantage Platinum to become eligible for [email protected] To my surprise, I got approved for $9000 instantly. This is my highest limit now. I#39;m definitely closing smaller limit cards soon.

Congratulations DI, you#39;re approved!

You#39;ve been approved for a USAA Rate Advantage Platinum MasterCard® . Please review your summary and find out what happens next.

DB:4.28:Usaa $9000 Credit Limit Approval ma

DI wrote:bunnyrabbit wrote:

So, have you already closed one of these? or just going to close Citi? one? or both?

Citi Sears 2009- $3600 Limit

Target Visa 2000-$500 Limit

Citi Platinum Select 2009- $5000 Limit

US Bank Kroger 123 2009- $5300

@Bunnyrabbit I haven#39;t closed any accounts yet. I#39;m waiting to make sure AMEX report my 1997 member since date first. Target will be the first to go.

Good! You are very smart

It#39;s very tough with small income

The Rewards are big little helper to me.

DB:4.26:Dcu Platimun Vs Usaa Rate Advantage 38

which card do you think will save you more money if you do cash advance and BT?

there is also a trade off between DCU is high apr but no fee, and USAA is low apr but with 3% fee

let#39;s take a $2,000 at a starting point to discuss how much the interest will be between two cards

please give your opinion as a whole, thanks

p/s: one more thing to mention, usaa took away secure card and rate advantage card from partial members app

DB:4.26:Dcu Platimun Vs Usaa Rate Advantage 38

use the current of two cards

Keep in mind that these are as low as rates. What you qualify for with each may vary.

who only pulls experian and trans union? and is it safe to come out of the garden after no app#39;s for 6 months?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

+1 to kevinBarclays and GE almost always pull TU, but there is always a chance they#39;ll pull something else.

DB:4.07:Chase Freedom And Discover It 18

pulling the trigger on these two--who do they pull from?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:4.07:Chase Freedom And Discover It 18

Discover pulled only TU.

Chase pulled only EX.

Edit: Discover pulled TU and EQ.

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k

I was reading some credit card reviews and came across a link to Discover#39;s web site that allows you to switch rewards programs. I#39;ve only had the Discover More card since December, so I was suprised that it allowed me to choose between all their products except for Escape. I am eligible to switch to Escape in November if I choose.

I haven#39;t really been satisfied with the Discover More#39;s 5% categories and 0.25% cash back at Walmart (where I spend $500 monthly). I have the PenFed for 5% gas, and on May 1st my product change to Citi Forward will be active for Amazon and restaurant spending. With my other credit cards my Discover More didn#39;t really fit any niches.

I however, don#39;t have a travel card, so I opted to change to Discover Miles through the web site. My Discover Miles will be active beginning April 4th! The 1 mile per $1 for all spending and the additional benefits (lacking in Discover More but common to every other card I have) helped me with the decision. Thanks Discover! I was considering closing the account for housekeeping purposes.

Citi Platinum Select MC $4.1K / Discover $2.55K / Amex BCE $6K / Chase Amazon $5.4K / PenFed Platinum Rewards $2K / USAA Rate Advantage $4.5K / US Bank Cash+ $10K

What are the differences between More and Miles?

DB:3.93:Usaa Offering Emv Chip And Pin [Updated With Summary] dz

I just got off the phone with USAA. They#39;re converting my USAA Platinum MasterCard to a Chip and PIN card (actual Chip and PIN, mind you, with an. actual PIN). I didn#39;t really get any details on whether it was available for Visa or Amex cards (likely not?), but I was told

a) it will only come in the black design

b) it will have a PIN

c) I get one PIN for my account, including AUs/additional cards

d) I can#39;t change the PIN myself

e) card number/rates/rewards will not change

The CSR was not aware of Chip/Sig (she confused it with Visa Signature, which she said we#39;re beginning to offer to qualified accounts). I commented that perhaps it was because a large part of their customer base is deployed in Europe and needs maximum compatibility - she agreed this makes sense.

Update: Summary of conflicting information

Looks like we have confirmed:

•Chip-and-PIN with magstripe (from PDF)•Available on request only - existing users are not being automatically upgraded at this time•No changes to product (account number, rewards, rates, etc.) (from PDF)•PIN is not user changeable - not know whether this is because there is no infrastructure in the US to do it or if it is hard coded to the chip•PIN is the same for all cards issued to your account (from my CSR conversation)•PIN can be used for PIN-pad transactions and as cash advance ATM PIN (from PDF)

•Looks like Mastercard only - Amex may be in a few months, nobody has commented about Visa availability

•-• Some members were promised an Amex EMV card - we#39;ll see what happens•I was told that if I needed to change the PIN, I would have to get a new card

•Valid for all Mastercards, just Rewards/Cash/Rate Advantage or just Rewards/Cash back products•Preference for Chip/Sig over Chip/PIN purchases when making purchases•Availability for partial versus full members

DB:3.93:Usaa Offering Emv Chip And Pin [Updated With Summary] dz

Like I said on previous post Chip and Pin is a UK thing if your sent to Italy or Germany as a service member your exisisting credit cards are the norm.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15kOther Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,IN THE GARDEN UNTIL APRIL 2014NFCU FAN CLUB MEMBER #1Chase Star CardNFCU FAN CLUB FAN#1

Hi there. I#39;m new to the forum (been lurking off and on for 2years). I started to build my credit two years ago when DH and I wanted to buy a home. I had NO credit history! I decided to apply for a USAA CREDIT CARD since I already banked with them. They denied me but approved me for a secured card. $250 later I had my first credit card. fast forward to today: My secured card matures in March so I decided to apply to USAA rate advantage card and was instantly approved. I decide why not give it a go with a few other cards.

1.AMEX BCE --approved

3.DISCOVER IT--denied (haven#39;t found out why although I believe it#39;s because my credit history is short. They approved me for a secured card)

My app spree stops here!! Off to the garden I go for at least six months.

reggiereg86 wrote:BreezyBri wrote:

Hi there. I#39;m new to the forum (been lurking off and on for 2years). I started to build my credit two years ago when DH and I wanted to buy a home. I had NO credit history! I decided to apply for a USAA CREDIT CARD since I already banked with them. They denied me but approved me for a secured card. $250 later I had my first credit card. fast forward to today: My secured card matures in March so I decided to apply to USAA rate advantage card and was instantly approved. I decide why not give it a go with a few other cards.

1.AMEX BCE --approved

3.DISCOVER IT--denied (haven#39;t found out why although I believe it#39;s because my credit history is short. They approved me for a secured card)

My app spree stops here!! Off to the garden I go for at least six months.

Congrats OP on your new cards

Congrats on your cards!! I didn#39;t know Discover had a secured card. How much did you have to deposit?They do have one but it can only be obtained if they offer it to you, you cannot go and apply for it.

EX Fico 08 BC 04/15: 790 (0); EX Fico 04 V2 06/14: 775EQ Beacon 5.0 12/14 757TU Fico 8 04/15: 757 (0)

DB:3.78:Any Fresh Data On Trans Union? as

Live in upstate NY and thinking about applying for walmart discover--scores around 700

have 0 hp#39;s on trans and 5 on equi

does anyone know which companies use trans union exclusively--i hear wal mart/ge--anything on amex blue cash? or any others txs!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:3.78:Any Fresh Data On Trans Union? as

For me, both my GE cards (Amazon and Walmart) pulled TU exclusively. Kohls also pulled TU. I applied for Discover in 2010 and 2011 and both times they pulled TU. I am in Chicago.

Amex was Experian for me twice.

hmm khols pulled eq for me a couple years ago (inq already gell off earlier this month)

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015Over 12 Months:9

2015 Goals:Lower UtilityEarn Cash BackAmex Zync(Unicorn) Chase Freedom$1500Discover IT$6,400Citi DC $10,000Citizens Mastercard$7,000

DB:3.73:Usaa And Pen Fed Joining Forces 7f

USAA and Pentagon Federal Credit Union have formed an alliance that will provide access to a range of products and services to each organization#39;s membership.

Eligible PenFed members will have access to auto, home and life insurance; annuities; and investment products from USAA.

Starting next year, USAA will offer its members new lower-rate jumbo-mortgage loans.

Both organizations#39; members also will be able to speak to USAA staff about their nonbanking needs at some PenFed branches, either in person or through video telephony.

PenFed is the third-largest credit union in the country, with nearly a million members. San Antonio#39;s USAA has about 7.8 million members.

FICOS:06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

DB:3.73:Usaa And Pen Fed Joining Forces 7f

lol at the new siggy.

eta: reminds me of one of my favorite bumper stickers: Yes, it#39;s my truck. No, you can#39;t borrow it.

* Credit is a wonderful servant, but a terrible master. * Who#39;s the boss --you or your credit?FICO#39;s: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

I#39;ve been reading some nice stories about this bank--went to their web site and they have all the bells and whistles for applying for 35 different cards. Question is--do you have to join first--put money in a savings account--or can you just apply outright for one of their cards?--txs!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

They are running a promotion 200$ for CHK with DD+100$ bonus 50+50 if you put a 1k into savings, not to mention you get 25% extra points and a free account. And you can also have a line of credit with like 8% APR. Good bank. I came to stay .

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5KStarting Score: 580Current Score: 747Goal Score: 800+Take the FICO Fitness Challenge

Got the 7-10 business day approval--let me set up account online--tried to find out cl and apr and it said account still being set up--is their a number I can call to speed process up?--txs everybody!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

When I applied Saturday I got a message saying they were reviewing my app and would contact me in 5-7 days, but to expedite the proceess I could call them at:

It also allowed me to set up an online account, so I was very hopeful

The nice CSR asked a few more questions then gave me my CL and APR. I received the card Tuesday!

Fico: 701 (5/22/14) 682 (5/9/2014)Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000App Free since 2/2013

DB:3.47:Penfed Pending Approval 9x

New user today. What do you think about the PenFed cards and what is their usual approved9quot; candidate look like? I#39;m sitting around 19% utilization spread amongst my cards today. Thanks!

Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thanky you CL $9,000 | AMEX Blue Sky CL- $6,000.00 | AMEX Premier Gold Rewards - No CL | B Of A Cash CL- $8,000.00 | B of A Travel CL-$4,000.00PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | FICOs- EQ 740 Trans- 740 EX- 735

DB:3.47:Penfed Pending Approval 9x

Just been approved for PenFed myself.

Mine had to get deterred to a loan officer but all they did was just verify some information and I was done. I use this card as my primary balance transfer card.

AMEX Platinum EMV - AMEX SPG - Chase Sapphire Preferred EMV - Chase Sapphire - Chase Slate - Discover IT - Fidelity Investments EMV - USAA World MC EMV - USAA Rate Advantage Platinum MasterCardLast App 07/21/2014 / Chase --- Garden till at least 07/21/2016. --- EQ 771 / EX 789 / TU 788

Has anyone been able to obtain USAA#39;s lowest advertised rate of 6.9% APR? I#39;ve read some threads and hear it#39;s nearly impossible to get them to lower your rate. Most advised to close and reapply. Currently I have 7.9% on this card and when I would call in I would get the, we review accounts every 6 months speech. Instead of closing the account since they offer this card in both a Master and Visa I simply applied for the other card and received the same intrest rate.

Credit has been the same since applying 2 years ago. 760+

It#39;s worth mentioning that NFCU also has a low rate card that is advertised for 7.9% and I only qualified for 8.9%. This leads me to beleive that banks and credit unions advertise rates that they probably don#39;t deliver on. Maybe the lowest rate advertised is very selective?

-- 3/7/09 TU: 759 3/8/09 EQ: 730

When I applied last night for the visa I got $20K and it was also at 7.9%.

Eq-792 TU-822 Ex-799

So my wife decided to press the luv buttonon her USAA cards. She asked on her USAA Platinum card (which has a 1K limit and she hasnt used it in a year and has never had a balance) and was denied. We figured the lack of usage played a factor in the denial. the next day she went to her Rate Advantage card ( 3K limit, 1K balance) and was instantly increased to 8K! Checked her EQ today and only one inquiry. So it seems usage potentially plays a role in whether or not they will increase the account. Glad to see that even if you get the denial message on one card, if have you have another card go ahead and try for an increase on that account as it is only 1 inq.

Chase Marriott (39.5K) NASA FCU (30K) USAA World MC (30K) NFCU CashRewards (27K) Costco TE Amex (19K) PenFed Promise (12K) Chase Sapphire Preferred (9K) Chase MileagePlus Explorer (5K)

CONGRATS to your DW, I LOVE USAA.

Last App: 2/16/15Gardening Until Further Notice25 Credit Cards (9 Major Banks 16 Store Cards)

What is the best going rate for an auto loan with scores between 760 and 780 for a 72 month term? I recently bought a car at Honda and think I got robbed @ 3.04% with SunTrust. USAA and NFCU whom I#39;ve been with in excess of 6 years offered 3.75% and 4.49% respectively @ 72 months based on my DTI. Thanks.

What is the best going rate for an auto loan with scores between 760 and 780 for a 72 month term? I recently bought a car at Honda and think I got robbed @ 3.04% with SunTrust. USAA and NFCU whom I#39;ve been with in excess of 6 years offered 3.75% and 4.49% respectively @ 72 months based on my DTI. Thanks.

You also said that the rates were based on DTI but didn#39;t give us your DTI. Keep in mind scores aren#39;t everything. No matter how great your scores are, if you have a high DTI, you are a bigger risk, so you will get higher rates. Rates are based on so many things including: scores, DTI, down payment, depreciation of chosen vehicle, and others.

+1 to brooklyn#39;s comment about loan term as well. Usually rates start going up on any loans over 60 months. Often the best rates are even for loans as low as 36 or 48 months, but almost always any 72 month loans come with higher interest rates.

Here#39;s a good example from my credit union, PSECU:

Up to 36 months: 1.49%37-60 months: 2.49%61-72 months: 4.99%73-84 months: 5.99%85-120 months: 7.99%

As you can see, rates definietly increase with the loan term with them.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7kStarting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012Take the FICO Fitness Challenge

I called USAA trying to convert my MC to World MC, and was offered 5% gas rebate for 12 months on both my USAA AMEX and MC and lowered my APR to 4% for 12 months.

Just though you guys might want to take advantage of this. You might have to have some history with them.

Yes, they converted me and I am a full member

DB:3.42:Is Navy Check The Overdraft Line Of Credit Option? 7p

Part two of this question--will the overdraft line of credit show up on my report as a credit card, installment loan or other loans? txs new guy

navy visa platinum 7000

military star 2500

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:3.42:Is Navy Check The Overdraft Line Of Credit Option? 7p

Not a problem just PM me if you have further questions

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15kOther Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,IN THE GARDEN UNTIL APRIL 2014NFCU FAN CLUB MEMBER #1Chase Star CardNFCU FAN CLUB FAN#1

DB:3.42:Apr Listed On Statement Include Prime? xd

Jsut curious as to if the APR listed on my statements includes the prime rate? Im thinking it does? USAA shows me my actual rate +prime. Discover, If ound out oday, shows my rate including prime. My others I have no idea, I asuume they include the prime rate? Anybody know for certain or have a guess?

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

DB:3.42:Apr Listed On Statement Include Prime? xd

Yes. It is your rate plus the prime rate.

I am bored today and looking for any e-mail/fax/phone number contacts for CMI. They are my last hurdle and I have nothing on them.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

pm me too please. thanks

EX 733 (Lender Pulled)TU 745 (Lender Pulled)EQ 738 (Lender pulled)

DB:3.42:What Cc Should I App For? Usaa, Citi Or Amex? d9

I discovered these boards a few weeks ago when I went to pull my FICO score and am so glad that I did. I’ve lurked around several boards and have decided to jump in for some feedback.

Here’s my situation: My EQ score is 695 and my TU score is 725. The negatives that are influencing my report are my amount of debt - my credit usage is at 54%, besides that everything reports in good shape. They also claim a short credit history. I#39;m almost 29 and my oldest account opened was 11 years ago - a car loan with Ford Motor Credit paid off in 2004.

Chase Slate – 875/1000 (29.99 APR)

Best Buy – 1856/2700 (24.99 APR)

Ann Taylor – 50/690 (24.99 APR)

Lane Bryant – 0/500 (24.99 APR)

Macy’s – 142/No Limit (22 APR)

Talbots – 0/600 (20 APR)

I get at least 6-8 credit card offers from Citi each week telling me that I’ve been pre-selected and yesterday I got an email from USAA that I was pre-approved for their USAA Rate Advantage at 15.24%. I left Citibank a few years ago and would rather not give them my business on principal (I bank with Chase).

I should also mention that I had the Amex JetBlue from 2006-2008. Kept a low balance and had just PIF when I went to use it and it got declined. Amex had closed my account after a random review of my credit profile. I heard that this happened to several people in the fall of #39;08 though. The Chase CC was my first CC with a $500 CL and it was increased to $1000 3 years ago where its lived since. The card was due to expire next month and that’s when I got a new Slate card in the mail.

So here#39;s what I want: a credit card that gives me rewards (preferably travel since I do a lot of it, ideally another Amex). I#39;d also like to get some of these APRs down (especially the Chase one). I#39;m about to get married in September (we#39;ve saved for the last 18 months and are paying for everything in cash). One more thing (and I don#39;t know if it helps me) but my salary is $54K, but with my fiancé added to my total household income (can I do that?) we#39;re at $140,000.

In a few years I#39;d also like to think about buying a house but it#39;s not in my immediate future.

DB:3.42:What Cc Should I App For? Usaa, Citi Or Amex? d9

At 54K income, and a household income (don#39;t think you can declare this until actually married) of 140K, and a near 700 FICO with 50% or higher revolving utilization. just get the cards paid down, get into the 720 or higher range, and go shopping for a higher tier rewards card than the ones you#39;ve mentioned currently is my advice.

If you desperately need to get those APR#39;s down (you really don#39;t have that much outstanding debt compared to your income) look for a balance transfer offer specifically; however, I think you#39;re pretty much out of debt in a few months and if you#39;re not looking at buying a house for another few years, it doesn#39;t matter whether you get a new card now, or in the back half of this year once you#39;ve prettied up your reports / FICO score.

Edit and PS: if you#39;re getting married in a few months, take some of that money you saved and pay off the balances and then float some of the marriage on the cards instead. Short-term financing trick to boost your FICO for a new card assuming you apply during the roughly month where your report is a clean sheet for balances. Might be too late to do that currently this month depending when your statement dates are.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)Goal Score: 700 on EQ 04 (01/01/16)Take the myFICO Fitness Challenge

If you had the opportunity to become a full member would you. I must admit I know very little about them so I am looking for advice.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Well as always thank you all!! I saved oodle#39;s on my insurance and picked up a Rate advantage for 2k, and my 1st (well co-branded but I am stoked!) AMEX for 2k.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

DB:3.33:Just Opened Usaa Visa. Should I Close The Usaa Mc And Amex Bce? km

So I was just approved for a USAA Rewards Visa and I am unsure as to if I should close my USAA Platinum MC (opened in October 2012) and my AMEX BCE (backdated to January 2009). The interest rate on the USAA Visa I was just approved for is the exact same as it is on the USAA Platinum MC. so I figure I don#39;t really need it since the Visa has rewards and has the same interest rate and higher limit. The AMEX BCE I don#39;t use at all. however, according to my CR, it is the oldest account.

I am wondering if I have too many lines of credit open. I know especially within the past 12 months, I have racked up some inquiries and my AAoA has taken a dive. I#39;ve opened 5 accounts (I have closed 1 of the 5) within the last 6 months. I do plan to possibly purchase a home sometime in 2015.

So what should I do, should I close both the USAA Platinum MC and AMEX BCE? On a side note, I do plan to close my newly opened Citi ThankYou Premier card after the first AF (will be in December) and depending on whether I think the ThankYou Premier card is worth it, I#39;ll convert my older Citi ThankYou Preferred MC account into Premier.

Any and all comments, suggestions are greatly appreciated!

Chase United MileagePlus Explorer Visa Signature - $25,000 | Chase Freedom Visa Signature - $22,000Chase Slate Visa - $10,800 | Citi ATT Universal MC - $15,200 | Best Buy (Citi) Card - $10,000USAA Platinum MC - $21,000 | AMEX Everyday - $20,000Amazon Store Card - $3,800

DB:3.33:Just Opened Usaa Visa. Should I Close The Usaa Mc And Amex Bce? km

I am wondering if I have too many lines of credit open. I know especially within the past 12 months, I have racked up some inquiries and my AAoA has taken a dive. I#39;ve opened 5 accounts (I have closed 1 of the 5) within the last 6 months.

That#39;s up to you to determine. There#39;s no X is too many that applies to everyone. You need to decide based on what you can reponsibly manage, what you need/want and your goals and priorities. Some use the strategy of keeping as many accounts open as possible. Some prefer closing accounts that are no longer useful. It#39;s not a one-size-fits-all matter and you have to do what works for you.

Closing accounts will not help your AAoA. The impact from the inquiries won#39;t be an issue once they#39;re over a year and at two years they#39;ll fall off.

What you don#39;t seem to be considering is utilization. Utilization changes due to account closure will immediately affect your credit. Make sure you calculate your utilization changes before making any decisions.

True. however, I don#39;t think I will have a problem getting a loan for a home but I am worried that too many open lines of credit might be seen as more of a risk and cause me to have a higher interest rate on that loan.

You#39;d have to verify that with the creditor that will handle your mortgage.

I recently joined USAA and decided to apply for one of their credit cards. I applied for and was instantly approved for a Cash Rewards World Mastercard for $10,000 @ 13.9%. Prior to this my highest limit was a Discover More card for $4,500. The other cards I have are Chase Freedom ($1,000), Wells Fargo ($1,000) and a Barclaycard Mastercard ($500). Now here is an amazing twist: I also applied for the USAA Rate Advantage Mastercard for the heck of it and was approved for $10,000 @ 9.9%. I am definitely shifting most of my credit card usage towards USAA.

8-10-12 - USAA FAKOS - EXP: 688 TU - 676 EQU:6578-10-12 - Walmart FICO TU - 627 Goal: 750Wallet: Amazon - $600 Walmart - $400 Paypal -$300I#39;m so EXCITED! And I just can#39;t HIDE it.

DB:3.25:Fyi. Usaa Credit Cards Approvals jd

My brother who also have full membership through USAA was able to get approved for a $1500 CL MasterCard. But he have to pay $35 AF. He applied for the Rate Advantage card, but got declined. USAA counteroffered him the AF card with no rewards and no cash advance. His credit isn#39;t that great at all. He is in the procress of rebuilding his credit. Just thought I#39;d let those know who are rebuilding.

DB:3.25:Fyi. Usaa Credit Cards Approvals jd

are you sure this card graduates? I ask bc I have read on here before that it does NOT graduate?? Im curious because I got the classic card with a 500CL last August so my year is coming up??

Positive it graduates. The classic card is one of those cards that I get so many calls about I practically have the information about it from the procedural manual memorized. Let me put it this way: in theory it is suppose to be eligible for graduation. I have personally never received a call about it actually graduating. What I have seen most often is that people seem to just apply for new credit after a year.

For the record, I love talking to people who struggled with their credit in the past. Not only are they the friendliest, but they are always the most appreciative and grateful.

Forgot to mention, the classic does make your bro eligible for at home deposits, that is always handy dandy.

In the garden until December 4, 2015

DB:3.25:Getting Greedy With New Walmart Store Card--Credit Line Increase z3

Got approved yesterday for 600 cll---wantingsome help with thefollowing questions:

1)should I recon today and if so which number do I call since their are a lot of bd##39;s--use underwriters or new accounts?

2) wait for card to come and call # on back or bd #?

3)wait 2 months and then call?

Heard so many success stories --trying to build up utilization--thanks again for all your great input.

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:3.25:Getting Greedy With New Walmart Store Card--Credit Line Increase z3

Great info, my 4thstatement cut day is Feb 9, how low was your balance?

My CL is 300, should i leave it at 100? 50? 30?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy#39;s $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam#39;s 5.5k Victoria Secret $2k, Kay#39;s $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.

DB:3.18:Question About Refinancing Auto Loan. Nfcu/Usaa ap

Hi! I have a question about refinancing an auto loan. My current scores are EX 676, EQ 680 and TU 703. I want to refinance an auto loan that i have that is about 8% with Ford Credit. Was wondering with scores like mine do you have an idea of my rate do you think I will get with NFCU or USAA? Of course would like it less than 8%. Does auto enhanced scores come in to play for refinancing? I have had multiple car loans paid off or closed. No baddies when it comes to car loans. Had multiple lates in 2008/2009 for regular credit cards. If I were to freeze my EX and EQ and just leave TU unfrozen would that be ok? Would they only look at that?

USAA Visa - $5,000 | USAA MasterCard - $4,000 |USAA AMEX $2500| Discover It - $3,400Navy Federal Platinum - $17,500 | NAV Line of Checking $15,000US Bank REI - CL $1,500 | Capitol One - $2,500 | Barclays $5,000 I AMEX Costco $1400 | Lowes $5,000 | Best Buy $750 | DCU $4,000 | Chase CSP $5000 | AMEX Everyday $9000AU = USAA American Express $6,000 | USAA MasterCard $7000 |AMEX ZYNC NPSL | Chase Marriott $5000 | NFCU Cash Rewards $8000EX 676 I EQ 680 I TU 703

DB:3.18:Question About Refinancing Auto Loan. Nfcu/Usaa ap

Congrats on the USAA approval!

I didn#39;t know DCU was INQ sensitive to be honest. And I don#39;t get the reasoning behind approving for a CC but not a car loan lol. There#39;s way more risk on a CC (what are they going to repo if you don#39;t pay back your CC?). I guess you learn something all the time. Out of curiosity, how many INQs did you have on EQ at the time of the application?

As I am very busy with work these days, I am participating in the forums less than I would like to. Please feel free to email me directly remembermyfico //at// gmail /dot/ com if you would like me to respond to a specific question you have.

I recently got two new cards with 0% intrest for 14 months--thinking about maxing them out and use the money for a retirement issue. What is the damage and what is the TRUE threshold 75 or 90? Have 80k in credit with 1% util---this would put me at 19% util if i maxed them both out--txs!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

Each card is scored for utilization as well as overall utilization. So by maxing them out you will get dinged for that even though your overall will still be ok.

Credit Scoring 101Guide to Common AbbreviationsOther Frequently Requested ThreadsClosing Credit CardsDirect Dispute

DB:3.17:Usaa Credit Card Rewards Tip zm

I got a tip from the USAA Credit Card CSR a couple days ago, meant to mention on here but keep forgetting, so here it is. Hopefully it hasn#39;t been posted yet.

Sometime towards the end of the year (he said December) they are going to roll out a new rewards system that allows you to take advantage of their reward mall extra points in store. They are working with specific vendors to give extra points for shopping at those stores. He wasn#39;t sure if you have to log on to specify which store prior, but said it will be a very valuable reward points system.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500

DB:3.17:Usaa Credit Card Rewards Tip zm

Well the debit card itself doesn#39;t have points/cash back, but if you use your debit card on the mall rewards shopping site then you get cash back based on whatever % the store is offering at that time

DB:3.17:Got Approved For Usaa Classic Platinum Mastercard 8j

Apply for USAA Rate Advantage MasterCard but denied they gave me an offer for this card at 1,000 usd cl, annual fee 35 usd and apr at 21% so i think im ok with that lol!

Starting Score: 592 Current Score: 632Goal Score: 750NFCU#7,500 NFL#900 AMZ STORE CARD#1,200 VICTORIAS#500 AMZ CHASE#400 DISCOVER#1500 CAP1#500 BML PAYPAL#500 BML HP#2,000 USAA CLASS PLAT MC#1,000 EXP#250 HSN#500 JCrew#250

DB:3.17:Got Approved For Usaa Classic Platinum Mastercard 8j

Apply for USAA Rate Advantage MasterCard but denied they gave me an offer for this card at 1,000 usd cl, annual fee 35 usd and apr at 21% so i think im ok with that lol!

Time to hit the garden.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ#39;s / Diamond Inspired!Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

I#39;m needing some advice here. Since I#39;ve started fixing/rebuilding, I#39;ve signed up for 2 cards (the only ones I have), the usual cap one and an orchard bank, both $300 limits. I#39;m using them and paying off every month. I#39;ve had the Orchard one for 5 months and the Cap One for just a month. Well, now I go and get a preapproved offer from Merrick. I really don#39;t know anything about them, but have read a few posts here. It#39;s a rebuilding program, $600 cl to begin with, and after 7 months of on-time payments, doubling to $1200.

What would you do? Stick with what I have and wait? Or go for this one? I#39;m at a loss here.

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

Juss11 wrote:I got the exact same offer about a month ago.I also have the same two other cards.After 6 months cap one will probbsly move you to 500. What#39;s your TU score? Reason why I ask is b/c you might can get a Barclayscard.I append with them and was approved for 1,200 and no AF.Merrick card had 50 AF I think?

My TU is 620. I#39;m just not sure what I would do with a Barclay#39;s card. Seems kind of silly if I#39;m not an apple user. At all. Of any of their products! (I know, I#39;m so behind the times.)

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

DB:3.17:Next Card - Which One Should I Go For? 9s

I think Iam going to be replacing my Target Visa later in the year or early 2016.I don#39;t want to gain another card. My current amount works for me.Out of these options which do you think would be the best for my profile. I have always thought I should go with Discover since I don#39;t have one. I would prefer a lower rate card with some balance transfer benefits if they are ever needed. Rewards would be great, but not really necessary.My incomeis 62k, Household income: 125K. No baddies (except one 30 day late on EQ that will fall off in August 2015).

1. NFCU nRewards (Not a member, but eligible)

2. USAA Rate Advantage MC (Already a member)

3. Discover IT Cashback

4. NCSECU visa (Already a member)

As of: 04/15/2015Wallet: Amex BCP-15k, Citi Forward V-sig-12.5k, Barclays Rewards MC-10.9k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-4.5k, Target Visa- 1.5k

DB:3.17:Next Card - Which One Should I Go For? 9s

I never even considered the Sallie Mae. I will need to check that one out to see the details. Are there some special benefits?

5% on gas (upto $250 per statement, then 1%), 5% on groceries (same deal), 5% on bookstores (which for now includes almost all of Amazon, $750 per statement, then 1%). Rest everything 1%. Sometimes you get special offers by them in mail that gives extra 2% on some spending categories for one quarter. This quarter it was dining and movies for me, upto $1250 for the quarter.

Edit: Man I#39;m super slow.

Credit cards: AMEX BCE || Barclaycard Sallie Mae || Capital One QuickSilver || Chase Freedom | Sapphire Preferred | Southwest || Citi Dividend || Discover It || UFCU Cashback || US Bank Cash+ | REI || Total CL $73.7k || AU on AMEX EverydayBanking: Capital One 360 || Chase || DCU || Discover Cashback || Sallie Mae || UFCUFirst credit card Aug 2012. Last credit card Feb 2015. Gardening since 06-Feb-2015.

I received a pre-approved offer for a USAA Rate Advantage for up to $25,000/12.9% interest rate.

My question to you guys, should I accept the offer?

I have a number of inquires (15 in the last 2 years), other than that, a 30 late over 4 years ago. My credit score (FICO) is 740.

-or- should I garden for a while.

Starting Score: 675Current Score: FICO- 772 (09/20/14)Goal Score: 780+ All ThreeTake the FICO Fitness Challenge

Their pre-approvals are as good as a sure, thing. I had various pre-approvals and took advantage of some and they were essentially exactly what was offered. Both CC and auto loan instances.

I agree with greeneman good as gold EQ piller

i was going to try for the amex delta gold. says their systems are not responding. anyone else want to check to see if they get the same error?

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

ah, of course. thanks!

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

Noticed on the USAA offers page that I had a pre-approval for the USAA world mastercard. Rate was 15.9% with no interest on transfer and checks for 18 months.

BUT. I am not going to take the offer because I am in the garden

Too many INQs low AAoA so I#39;m off to tend the Garden. Age:23 $17k $8.5K Closed $19k$6.5k$24.2k Closed $5k Closed $8.5k Closed @2.49%

Anybody else getting better offers?

Maybe they will offer me something better later on.

Too many INQs low AAoA so I#39;m off to tend the Garden. Age:23 $17k $8.5K Closed $19k$6.5k$24.2k Closed $5k Closed $8.5k Closed @2.49%

DB:3.17:Broke Down And Apped For A Usaa Pre-Approval 3z

OK I did it, decided to pull the trigger on my USAA pre-approval offer. andI was.

APPROVED for a second USAA Amex (third altogether) @ 6k/12.9% and no interest BT/Convience Check until 05/14!! woohoo!

That#39;s 3 USAA products now, and my lowest interest rate yet

EDIT: HP was EX (I had 6 INQ - 5 within 12 months) and believed to be high 680-690 credit score as the file is similar to EQ. 9% util one 1 card, and 1% util overall

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500

DB:3.17:Broke Down And Apped For A Usaa Pre-Approval 3z

I logged in and got to the last step before APPing. I then stopped myself. Must stay in garden. so hard. haha

lmao! I did that 3 times.. hit cancel each time.. this time I talked myself into it and just went for it. didn#39;t turn out too bad either!

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500

DB:3.15:To Close Or Not To Close. fk

So here is my dilemma. I have a USAA Secured card that is almost two years old. I opened it because at the time I had no credit. I have recently applied and have been approved for a USAA Rate Advantage credit card as well as two other prime cards. My USAA Secured is my oldest card as well as the card with the lowest CL. My question is since I have a few cards with higher CL, should I close my USAA Secured in March when it matures? How will this affect my score and AAoA? How would this benefit/hurt me?

DB:3.15:To Close Or Not To Close. fk

So here is my dilemma. I have a USAA Secured card that is almost two years old. I opened it because at the time I had no credit. I have recently applied and have been approved for a USAA Rate Advantage credit card as well as two other prime cards. My USAA Secured is my oldest card as well as the card with the lowest CL. My question is since I have a few cards with higher CL, should I close my USAA Secured in March when it matures? How will this affect my score and AAoA? How would this benefit/hurt me?

I opened mine in Apr. 2013. Closed it in December.

It ran it#39;s course. Gave me the boost I needed.

Total CL - 60K // Util.

1.6%772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29

I have a judgment on my credit from CACH (BoA card) 2008 for $5000. They say I have $1800 left to pay on it, but my credit report says I have $800 left. I argued with them a while back about sending me their records about why they say I owe $1000 more than my credit report. After a month, they sent me a statement that makes no sense. I figure it out at $800 as well, according to that. About a week after that, they sent me an offer to settle for $1400. The biggest problem I have is that I was never actually informed of a court date. The date they got the judgment against me, I was blissfully unaware of it as I was in a different courtroom THE SAME EXACT DAY for my divorce. I#39;d received other paperwork before that, just never court date information. So I guess my question is: what should I do about this? I#39;d love to be able to vacate it. I#39;m in North Carolina, btw, which, if I understand correctly, I can make a motion to vacate after it#39;s satisfied. Thoughts? Advice? Thanks, y#39;all!

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

Obviously, you dont want to wait until after you have satisfied a judgment to motion to have it vacated if your basis is that the judgment itself was procedurally/legally flawed, such as for lack of proper service of notice to you of the proceedings.

Vacatingbased on subsequent payment of the judgment amountis a separatebasis that some courts will entertain, and others wont. That is totally discretionary on the part of the court. Lack of due process is not discretionary.

Go to the courthouse, get a copy of the court records, and take a peek at how they satisfied the court that you were properly served notice of the proceeding. The trial would never have been held if a certification of proper notice to the defendant was not provided. Maybe your state permits service of notice by way of publication.

I have been approved by USAA for a $15750 at 13.9% for a brand new motorcycle offer good until Nov 11th. I have a car pre-approval at 6.79 and a current loan with them at 8.5. I was told since motorcycles aren#39;t a necessity that#39;s why the rate is higher. Just curious who HD pulls and if I#39;d get a better rate.

01/06/2015 Walmart TU 72601/06/2015MyFico EQ 70501/10/2014 USAA FAKO EX 728, EQ 728, TU 728Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam#39;s Club Discover $8500, Home Depot $7200, FNBO AMEX $7800

I have been approved by USAA for a $15750 at 13.9% for a brand new motorcycle offer good until Nov 11th. I have a car pre-approval at 6.79 and a current loan with them at 8.5. I was told since motorcycles aren#39;t a necessity that#39;s why the rate is higher. Just curious who HD pulls and if I#39;d get a better rate.

01/06/2015 Walmart TU 72601/06/2015MyFico EQ 70501/10/2014 USAA FAKO EX 728, EQ 728, TU 728Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam#39;s Club Discover $8500, Home Depot $7200, FNBO AMEX $7800

I have Auto Insurance with them for the past Year.

Figure Ill just apply for a credit card to help with over all ULTI.

I still love NFCU but hey..

You#39;ve been approved for aUSAA World MasterCard®. Please review your summary and find out what happens next.

$8,000 13.90% (Prime+ 10.65%)

then I decided Ill apply for another..

You#39;ve been approved for aUSAA Rate Advantage Platinum MasterCard®. Please review your summary and find out what happens next.

How much CC can a USAA member have?

Current Score: 715 Goal Score: 775 Will Garden Soon.CapitalOne Platinum $1.5K | CapitalOne MTV $1.5K | BestBuy Store $6K | Kays $3.5K | Military Star $2K | DiscoverIT $8K | AMEX BCE $1K | NFUC Flagship $13.5K | USAA World MC $8K | USAA Rate Adv $8K | CSP 5K 10/2013 | NFCU LOC $10K

Congrats! I need to become a USAA membee!

Applied online last night out of boredom9quot;. Got approved for $30,000 at 12%. wth. My Fico is 698 and I gross $86,000/year. have a $300,000 mortgage..3 USAA CCs. no baddies less than a year! Why such a high interest rate!? I see people on here that are post BK and fico scores in the 500s with better interest rates!!

With very similar scores got the exact same rate, even with 50K in cash in USAA. Called for recon they lowered by .25. This was for a 50% LTV on a used 2012 BMW.

I currently have a USAA card and the interest rate is absurd @ 21%

I#39;ve called multiple times about them lowering it and they always spit the same line about it being some sort of fair credit act where they are not allowed to lower interest rates anymore.

The balance is about $10,000 on the card so they pretty much have 0 incentive on lowering my interest rate anyway, my question is this:Has anyone had success at having USAA lowering your interest rate?

I feel like they#39;re BS#39;ing me really hard.

Starting Score: 575 (As Of Early 2011)Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)Goal Score: 750Take the FICO Fitness ChallengeLong way to go ^_^

Omne wrote:Juan123 wrote:

I sent USAA an e-mail and heres a portion of the response.

USAA supports many of the provisions of the new credit card practices law, because they provide more protections to consumers who use credit cards. USAA will continue to provide highly competitive credit cards that offer benefits such as low Annual Percentage Rates (APR), flexible rewards, special lower APRs for deployed active duty military members and no annual fee. And we will do all of that with the same great customer service that earned USAA a top spot on Business Week#39;s Customer Service Champs list three years running.Unfortunately, one of the provisions of the act prohibits us from lowering the variable APRs of open accounts. You are welcome to apply for another credit card account on usaa.com. Please go to Our Products, then to Credit Cards to apply. You might be eligible for a lower variable APR on a new credit card account.

There is nothing in the 2009 CARD Act that prohibits them from lowering APRs. As a matter of fact they are required to reviewaccounts that have hadan AA rate increase every six months and lower the APR if things have improved.

Either they#39;re being dishonest or they have really bad in house attorneys.

Send a response thanking them for the information and politely asking for the provision in the law that prohibits it. Should be a fascinating answer. if they give one.

sent them a message stating just that, we#39;ll see what they say.

Starting Score: 575 (As Of Early 2011)Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)Goal Score: 750Take the FICO Fitness ChallengeLong way to go ^_^

My realtor sent me a mail and said the title company called the listing agent. Does this mean we are close??

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

DB:3.05:Helpful Advice Re: Usaa Balance Transfers 9c

USAA charges a 3% fee on balance transfers. They also charge a 3% fee on cash advances. This is unhappy.

They do NOT, however, charge any sort of fee for a transfer from a USAA credit card to a USAA checking or savings account, and these transfers are at the same rate as purchases.

SO . Anyone contemplating doing a balance transfer to a USAA card:

Advance the funds to your USAA checking account, then use that checking account to just pay off the other cards normally. Presto, free balance transfer!

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40kChase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28kNFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28kCiti Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

DB:3.05:Helpful Advice Re: Usaa Balance Transfers 9c

USAA charges a 3% fee on balance transfers. They also charge a 3% fee on cash advances. This is unhappy.

They do NOT, however, charge any sort of fee for a transfer from a USAA credit card to a USAA checking or savings account, and these transfers are at the same rate as purchases.

SO . Anyone contemplating doing a balance transfer to a USAA card:

Advance the funds to your USAA checking account, then use that checking account to just pay off the other cards normally. Presto, free balance transfer!

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40kChase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28kNFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28kCiti Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

I have researched but I cant find any e-mail contact info for a PFD etc. any help would be appreciated.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

CAN U PM ME THE MIDLAND COLLECTION INFO. I WANNA CONTACT THEM FOR A PFD

Has anyone completed a refi recently from fha to conventional to get out from under the montly PMI. just curious how it worked for you.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Has anyone completed a refi recently from fha to conventional to get out from under the montly PMI. just curious how it worked for you.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Applied online last night for visa platinum--got the 7-10 day notice and called backdoor number this morning(1-800-947-1444)--credit analysis said since I was not a member I was only allowed to apply for flex perks cards(their is only 2). I was told to reapply on line and if I got the same 7-10 message to call back. Got the message and called back and she said we are reviewing duplicate applications and to call back on Wednesday? Anybody have this experience and is it worth doing business?

I applied for the us bank flex perks select rewards visa--down side to this card is lowest apr is 13.99(the other card they offered had a 49 annual fee).

The only reason I applied was all the good reviews I have seen here in the forum and the thoughts that it would look good in credit profile---txs!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

Applied online last night for visa platinum--got the 7-10 day notice and called backdoor number this morning(1-800-947-1444)--credit analysis said since I was not a member I was only allowed to apply for flex perks cards(their is only 2). I was told to reapply on line and if I got the same 7-10 message to call back. Got the message and called back and she said we are reviewing duplicate applications and to call back on Wednesday? Anybody have this experience and is it worth doing business?

I applied for the us bank flex perks select rewards visa--down side to this card is lowest apr is 13.99(the other card they offered had a 49 annual fee).

The only reason I applied was all the good reviews I have seen here in the forum and the thoughts that it would look good in credit profile---txs!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:3.02:Nfcu Usaa Credit Cards x3

I recently applied for a NFCU CC, and received it with a $20,000 CL (Thank-you NFCU!) Now USAA is offering a Rate Advantage CC with a $25,000 CL (I already have this with a lower rate, and a $7,000 CL) Wow.

Starting Score: 675Current Score: FICO- 772 (09/20/14)Goal Score: 780+ All ThreeTake the FICO Fitness Challenge

DB:3.02:Nfcu Usaa Credit Cards x3

753 credit score $85,000 annual income.

Starting Score: 675Current Score: FICO- 772 (09/20/14)Goal Score: 780+ All ThreeTake the FICO Fitness Challenge

I have become infatuated with this site and my score. I find excuses to order another. I have worked overtime to pay for this. Intervention needed. lol

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Wow. There are enough of us to form a myfico support group as well as a DC commute support group lol.

Not to trivialize your Herndon - Vienna, but I think I#39;ve got you beat. I commute from Aldie to Crystal City. *cries*

Starting Scores: EQ 582 TU 584 EX 615 (FICO - Lender Pulled) 1/4/2012Current Scores:EQ 632 TU 698 EX 669 (Lender Pulled) 3/17/2012Goal Scores:700 club here we come!Take the FICO Fitness Challenge

DB:2.98:Which Is The Easiest To Get Per Company pf

Looking for a prime card--seeing here their are so many options within each company

1) American express--which one of theirs is the easiest

2) chase same question

scores 700 across the board--util 1%--income 46K

Wallet: navy 7k, military star 2.5,usaa 1.5, wallmart 600--rebuilding

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:2.98:Which Is The Easiest To Get Per Company pf

chnceit wrote:coachmiff wrote:

Looking for a prime card--seeing here their are so many options within each company

1) American express--which one of theirs is the easiest

2) chase same question

scores 700 across the board--util 1%--income 46K

Wallet: navy 7k, military star 2.5,usaa 1.5, wallmart 600--rebuilding

1) AMEX Charge cards

2) Chase Freedom or Slate

4) CITI Thank you or Simplicity

I think with BOA any of the BankAmericard cards would be the easiest.

Amex BCE $6,000 | BofA Power Rewards WMC $15,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | Citi Diamond Preferred $4,200 | DCU $4,300 | Discover It $3,900 | Local Bank MC $4,125 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,000 | SallieMae Rewards $11,000

DB:2.98:Chase Military Star Card---7-10 Day Message ax

Don#39;t know if I got approved or not--should I call a recon number?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:2.98:Chase Military Star Card---7-10 Day Message ax

You have nothing to lose. They might need more info or they can tell you if you been declined. You can always recon it. Keep us posted of the result.

DB:2.98:Woo Hoo. Usaa Has Been Very Good To Me! ax

I got a call from USAA this evening. they approved me for a $20,000 auto loan at a pretty decent rate (8.5%), in addition to a $5000 Master Card and a $5000 AmEx. We#39;re getting ready to move our direct deposit from USAA to NFCU again, but I have to say. USAA is good in the credit department, at least for me!Jennifer Z

DB:2.98:Woo Hoo. Usaa Has Been Very Good To Me! ax

USAA is excellent, I#39;ve been using them for about 10 years. Their credit cards have great terms, but the rewards cash back program is pretty weak. Not bad if you need to carry a balance or get a cash advance. One cool thing about their CC is you can transfer a cash advance into your checking account for no fees, then you can withdraw the cash using your ATM or Debit card.

I#39;ve been with amex for around 63 days, credit limit of $2800 and I typiclly charge around $1000 a month but always pay in full before it cuts. I was just approved for a new $8400 limit through the online request form! My new highest!

Thanks for all the help yet again. If it were not for this site and the person who did all the research on 3x I never would have applied for the increase.

AMEX Blue Everyday $8400, Chartway Federal Credit Union $5000, Chase Freedom $4500, Capital One Quicksilver One $3000, USAA Rate Advantage $2000, Walmart Discover $1600, Discover IT $1500, Barclay Rewards $500Starting scores in the upper 500s 05/201212/1/2013 FICO 676Goal: 725+ by 2015Gardening until late 2014

Around $95000 without my wife#39;s income but i never list her#39;s on applications.. I dono if I should be or not.

AMEX Blue Everyday $8400, Chartway Federal Credit Union $5000, Chase Freedom $4500, Capital One Quicksilver One $3000, USAA Rate Advantage $2000, Walmart Discover $1600, Discover IT $1500, Barclay Rewards $500Starting scores in the upper 500s 05/201212/1/2013 FICO 676Goal: 725+ by 2015Gardening until late 2014

when you go on an app spree and say get approved for 3 or more new cards --can the company close your account the next month when they show up on cr?

second question--does score watch ever update on the weekend or holidays?

Last--had a co/collection/120 days late account deleted off my report 16 jan per score watch equifax notice--when will i see spike in credit score?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

when you go on an app spree and say get approved for 3 or more new cards --can the company close your account the next month when they show up on cr?

second question--does score watch ever update on the weekend or holidays?

Last--had a co/collection/120 days late account deleted off my report 16 jan per score watch equifax notice--when will i see spike in credit score?

Barclays is known to close a fairly new account if you subsequently open new accounts. There may be a few other companies that engage in this practice, but Barclays is the only one that comes to my mind. Most issuers will be fine if you open new accounts and just pay on time and PIF. You usually run into trouble when you open a bunch of new cards and you carry balances on most of them.

Yes, ScoreWatch does update on the weekends as I#39;ve received a few scorewatch alerts on Saturdays and Sundays. Not sure about holidays as I can#39;t recall offhand, but I would hazard to guess a yes on that, too.

Did you see a change in your EQ score when you got the alert that it fell off? If it was that old (7+ years), it#39;s possible that it wasn#39;t really affecting your score anymore at that point anyway.

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICOMy Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $1.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K

Has anyone worked on an old HSBC account since the cap 1 takeover. just wondering how the record transfer went or if they are playing ball so to speak!?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Oh I#39;m sorry, can#39;t help on that one, but I wish you the best of luck!

I#39;ve got a Prime + 2.9%They claim to offer Prime Rate to those with excellent credit, does anyone have this rate? I#39;ve got scores ranging from 750 - 790 but can#39;t seem to get that kind of love from them.

They justdenied me for a usaa amex with a 659 eq. Their reasonsare: too many inq (12) over two yrs, accounts too new? andone 5 yrs old collection. I have sent them a recon email to do a manual reviewand I am still waiting for their reply. Do they ever recon? If i am still denied, i will stick with my penfed 15k, navyfed 15k and 5k. If they think penfed and navyfed are dumb enough to offer me such nice ccs when i had even lower score, to hell with them. I can;t believe they would not even offer me 1k even though i have been a member for 5 yrs.

DB:2.95:Success Thanks To This Site! Chase Freedom, Discover It, Amex, And Usaa Approvals z8

Well, a year ago all i had was a secured card with capital one because nobody would offer me credit. Mainly because of lack of history and defaulted student loans back in 2008. 8 months ago I got the Chevron and Walmart cards with around $700 credit each. Sometimes I carried a balance sometimes I PIF and I#39;ve gotten a few auto increases.

Fast forward to now. I got the Myfico scorewatch so i can keep an eye on my score and I get all 3 reports from USAA every month for $15. I#39;ve apped for quite a few cards over the last two months. In October I obtained the Chase Freedom $2000 and Slate $2500 as well as the Barclays rewards which only has a $500 limit. In November I was approved for the USAA Rate advantage $2000. I was on cloud nine!! Now, icing on the cake is a few days ago I called chase and had my credit limit from the slate added to the Freedom making it $4500. The balance on both cards was $0 at the time. Yesterday I apped for the Discover IT and the AMEX Blue Everyday and got approvals on both! Discover is only a $1500 limit, AMEX hooked me up with $2800!

I#39;m beyond happy right now. I have the cards I want now thanks to doing the right thing with my finances and y#39;alls help! This forum is awesome!

Now I garden until October 2014. FICO is 676 as of today and utilization is around 5%.

AMEX Blue Everyday $8400, Chartway Federal Credit Union $5000, Chase Freedom $4500, Capital One Quicksilver One $3000, USAA Rate Advantage $2000, Walmart Discover $1600, Discover IT $1500, Barclay Rewards $500Starting scores in the upper 500s 05/201212/1/2013 FICO 676Goal: 725+ by 2015Gardening until late 2014

DB:2.95:Success Thanks To This Site! Chase Freedom, Discover It, Amex, And Usaa Approvals z8

I think this site has been benificial to many of us. Although the Utility % is the one most of us seem to have a problem following through on lol. This site is awesome!

Starting Scores: Low 500#39;s 2/27/08Current Scores:Transunion: 700 02/13/15 Experian: 713 02/17/15 Equifax: 736 02/18/15Goal Score: 770 Across the board!!

Asking for cli --will it generate hard or soft pull--when does equifax report monthly hard inquiries--first time user---very appreciative of contributors--tu-717/eq-657

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

txs--currently have nfcu platinum visa 7000--itching to apply for rewards/cash and navy check--should I apply for both at same time and will this generate 1 or 2 hpl#39;s. Navy check is it instant approval and if not do i need to send in income varification?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

Is there a certain day they update everyones score, or does it vary?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

Just approved for Walmart store credit card in February. I received my free FICO score as of March 10th. Should I expect an update by the 10th business date of March and if so how do I access the update as when I log on just says view FICO score? Thanks for your help!

Usually the updates are right on the 10th or a day before or after.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ#39;s / Diamond Inspired!Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

DB:2.92:Must Stay Off Approval Site - Us Air Temptation Too Much ja

i applied yesterday after seeing the last minute link with the 50k miles, went to pended. called today. asked me about my profession and how long i#39;d done that and my income. approved for only $2500, but hey, my brand new sallie mae only arrived today in the mail, and 50k miles woot! woot! i will not visit the approval site. i will not visit the approval site.

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

DB:2.92:Must Stay Off Approval Site - Us Air Temptation Too Much ja

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535Current Score: 4/05/2015 EQ 709 TU 764 EX 744Goal Score: 760+ across all three bureausTake the myFICO Fitness ChallengeTrying to stay in the garden!

Does USAA allow multiple credit cards for limited members?

I currently have one with a $9800.00 limit with a whopping 23.9% APR.

I would never carry a balance on that rate but still.

I have 4 USAA Credit Card Accounts..with 11.99APR. and Im a full member..2 Mastercards,1Amex,1 Visa.

DB:2.92:Denied For Discover Card .. 3a

My credit has gone through major rebuilding. I now have an almost emaculate credit file, aside from a 7 year old PAID charge-off that is about to fall off any time now and open accounts are relatively new. AAOA is 5 years, oldest account is 15 years. Credit scores range from 690 to 740. Reported util is less than 1%, and above 80k income.

Got a pre-approval from Discover and was shown pre-approved offers on Discover#39;s pre-approval site that included soft pulls from my credit, so decided to apply to take advantage of the 14mo no interest and 9.99% rate.

They pulled EQ which is my 690, but again only negative is the old paid charge off. After two attempts at recon, I was told each time that the old charge-off is most likely why I was declined and to call the CRAs to have them remove it then reapply (and will get another HP).

Oh well, guess they don#39;t want my business. Now I#39;m scared to app for anything new.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500

DB:2.92:Denied For Discover Card .. 3a

It may be the relatively high amount. (Im grasping at straws as I anticipated your CR would had been good enough. Have you changed addresses lately, did you put your right shoe on first before your left one?)

been at this address for 25 months, bought a house but don#39;t move in until Monday so I used my current address, only reference to the new house is an inquiry. Trust me, I#39;ve been grasping on this one trying to figure it out too. I didn#39;t think for one second it would be denied, but one thing I#39;ve learned on getting credit is there#39;s no true rhyme to the reason.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500

DB:2.92:Usaa Changed My Locked Rate kd

When I signed my contract on sep 24th, I immediately called usaa to lock my rate. They gave metwo options to either lock at 5% with 1/4 point or lock at 4.857 with 1.125 points. I chose the 1/4 point point,but when I went on their website to check my mortgate details, it says I am locked at 4.857 with 1.125 points, and this increased my closing cost. I plan to call my lo tomorrow, and request them to change it back. I know they record their calls, so they can trace the call I made to lock my rate. I am prepared to walk away if they refuse to correct the error. Is there any thing else I can do? Please advice.

DB:2.92:Usaa Changed My Locked Rate kd

Once the rate is locked, generally it#39;s locked until the expiration date. There are different lock period terms, from just a few days, all the way up to 360 days, typically in 15 day increments (until 60 days, then increases by 30 days). Once the rate expires, if it is locked within 30 days you will get worst case rates between the day you re-lock and the original interest rate. However once 30 days past the expiration date current day rates will always apply. Some lenders offer a float down option, which is if interest rates get lower they will give you the new interest rate, but never higher than the rate you locked in at - that isn#39;t very common however. Most lenders will only float your interest rate down if the rates have fallen significantly enough, and will meet you half way or a little more than half way, not quite giving you the new interest rate but still lower than originally locked in.

Information that is needed to determine if you qualify for a mortgage

Best Way to Remove Account In Dispute for Mortgages

FHA guidelines on collection accounts, judgments disputed tradelines

Letter of Explanation sample

DB:2.92:Nfcu Vs Usaa Refinance Question jj

what credit score are USAA versus NFCU looking at for the lowest auto refinance rate, i need 2.99% i believe NFCU is a bit more lenient in scores than USAA not sure if im right on that one. Trying to figure out which one to apply for.

DB:2.92:Nfcu Vs Usaa Refinance Question jj

what credit score are USAA versus NFCU looking at for the lowest auto refinance rate, i need 2.99% i believe NFCU is a bit more lenient in scores than USAA not sure if im right on that one. Trying to figure out which one to apply for.

NFCU is having Military Appreciation week. If you refinance now until May 11, you get $300. It#39;s worth looking into.

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQStarting Score: 634 EQ-3/13/13Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13Goal Score: 700Take the myFICO Fitness Challenge

DB:2.92:My Recent Drapping Spree ! 1c

On December 17th 2012 I had a NFCU cash rewards 5k limit and a Capital one for $750 in the last month or so I have seen my credit sore.

NFCU N Rewards 5.5k

USAA World MC 6K

Chase Star Card 4.8k

Citi AA Advantage 2k

Discover IT 2.4k

BofA Amex 1k Boooooooo booooooo

Barclays Apple Card 2.5k

NFCU cash rewards siggy 15k

NFCU Navcheck 5k

I think it was a pretty good month and a half

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15kOther Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,IN THE GARDEN UNTIL APRIL 2014NFCU FAN CLUB MEMBER #1Chase Star CardNFCU FAN CLUB FAN#1

DB:2.92:My Recent Drapping Spree ! 1c

Thanks Guys and Gals, my next app spree will be Jan 2014 hoping to get a few more cards

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15kOther Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,IN THE GARDEN UNTIL APRIL 2014NFCU FAN CLUB MEMBER #1Chase Star CardNFCU FAN CLUB FAN#1

Me and my fiance plan on applying for pre approval at the end of the month with usaa. We both have excellent credit (hers in the 780#39;s mine the 740#39;s). we both make a combined 70k a year. My question is, what rate can I expect with usaa? Also, ive heard it both ways, but does usaa require proof of income?

USAA members now have access to JUMBO mortgages through Pen Fed but the rest of USAA#39;s mortgage services haven#39;t changed. In fact,USAA has recently signed a 10 year contract with a company in India that will be completing their mortgage fulfillment (processing) for their mortgages now so I doubt things will get any better on that front. No call backs, lost documentation, last minute hikes to rates and fees (with no real explanation), ridiculous appraisals by out of area appraisers. I don#39;t care what kind of rate USAA offered, I wouldn#39;t use them.

Figured what they hay and joined penfed yesterday. didnt app for any cards yet. uti is a little high. but next month!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

they will use the same pul when i reoprned my accoundl i got 3 product for one pull

personal line 5k

platinum csh rewards visa 22.5k

defender amex 10k

DB:2.88:Old Capital One Account And Sol In Different States jz

I had a Cap One account way back when (last payment 7/8/06, total owed $1607). Things went bad, and I left the state I was in which had a 6 year statute of limitations and moved to one with a 3 year SOL. I just got a statement from them for the total amount. Suggestions? Honestly, if I had the money to pay if (if they#39;d remove the bad one), I would, but I just got laid off. What a terrific thing to happen when I#39;m rebuilding, right?

I did just recently get approved for a new card from them in March.

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

DB:2.88:Old Capital One Account And Sol In Different States jz

So, even if they use the state with the longer SOL, wouldn#39;t it expire in 3 weeks anyway?

I agree that you#39;re probably ok in either situation. Are you in a position to make them a settlement offer or PFD ?

695 TU, 653 EQ, 697 EX

DB:2.87:Ca Listed New Account On My Report. No Contact From Them 99

I got an alert that a new CA was listed on my CR 10/5. I#39;ve heard nothing from them. It#39;s truly annoying because I sent payment to the OC the day before it showed up!

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

DB:2.87:Ca Listed New Account On My Report. No Contact From Them 99

Starting Score: 504July 2013 score: EQ FICO 819, TU08 778, EX 806 lender pull 07/26/2013Goal Score: All Scores 760+, Newest goal 800+Take the myFICO Fitness ChallengeCurrent scores after adding $81K in CLs and 2 new cars since July 2013EQ:809 TU 777 EX 790 Now it#39;s just garden time!

Got my walmart tu score and it is a huge difference from tu on here. what gives?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

I#39;m at the following:

Figure that one out!

My TU #39;08 is 619.

I#39;ve got two other TU scores. one is 648, one is 675, but I have no idea WHICH TU scores they are.

How do we figure out which bank/cc is using which TU score?

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.Zero percent financing is where the devil lives.

Currently have just two cards: NFCU and USAA. The NFCU card has a limit of 16.1k, but a much higher interest rate. USAA has 5.4k, but denied me the last time I requested a CLI (I don#39;t recall when it was). Both seem to be doing annual auto-CLIs, but I#39;d like to get my USAA card up to at least 10k. Current FICO: 754/754/763, with anticipation of 789/789/798 when I finish paying down my NFCU card.Any advice on how to go about it to get the highest odds of the largest CLI? I#39;m looking at making large purchases in the near future, with needing to furnish an apartment and building a new gaming computer (although I#39;ve already got the $ saved up for the computer). Would calling and implying that I#39;d like them to finance the furniture help?

I#39;m not sure whats up with USAA, as I cant get any love from them for anything. I opened a Platinum Rewards Mastercard with them about 14 months ago, and they started me with a low low 2k limit, and they refuse to budge it.

Over the 14 months I have had it, I have spent over 22k on it and paid it off each time, never paying a penny of interest. I now have a nice $225 nest-egg built up on the card. But over that time, I have requested 2 CLIs and 1 personal line of credit and been denied each time. It may have something to do with the utilization ratio, as I was often in the 1.5k range. But still, perfect payment record with them and every other lender.

Meanwhile, PenFed and USBank are both falling over themselves to extend me credit. Go figure.

Its ok, that USAA card has served its purpose, helped me build my credit and earn a nice chunk of rewards, and now I have moved on to bigger and better offers. The 1% cash back just cant compete with my other new cards.

Sorry USAA, I#39;m over you and moving on, but thanks for all the fish!

Gardening Since: 1 December FICO Pre-Spree (July 13th) / FICO Current (Feb 2nd) // USAA FAKO Plus9quot; (No Change Since August??)Eq: 767 / 744 // 747Tu: 765 / 746 // 766Ex: 769 / 761 // 766FICO NextGen: 702 (Dec 2nd 2014)

DB:2.84:More Usaa Secured Credit Card Info fd

After reading the post on the USAA Secured Credit Card, I sent them a message of my own. Here is the reply I got back:

Thank you for your recent e-mail regarding a secured credit card. We offer a secured Certificate of Deposit (CD)secured credit cardthat is not based on your credit rating.The credit limitof a CD secured card is from $250.00,$300.00-$1,500.00 based on the dollar amount established in the USAA two-year fixed rate CD. Your annual percentage rate will be at Prime rate + 12.9% with a floor rate of 18.9%. There are no rewards programs available on this card.

We have mailed your application. Please allow 7-10 business days for delivery. We value your business and the opportunity to serve all your financial needs.Thank you,USAA

Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)Current Score (Lender Pulled):TransUnion: 695 (26 JUN 2013), Equifax: 636 (26 JUN 2013), Experian: 670 (26 JUN 2013)Goal Score:All scores 700+ by Dec 2013!!Take the FICO Fitness Challenge

DB:2.84:More Usaa Secured Credit Card Info fd

I emailed them first and they said they#39;d put a request out so I can get an app and they said they#39;d see if there was any left and send it within 10 days. Then someone hooked me up with one so I faxed it in and it seemed to work, until everything I mentioned ended up happening

I may just be impatient and still be in, but its gonna cost me an inquiry now which stinks. I regret not opening a usaa account, transfering my money, then using that to fund the secured cc.

EQ Starting Score: 579 | TU Starting Score: 568EQ Current Score: 650 | TU Current Score: 653EQ Goal Score: 1000 | TU Goal Score: 1000

DB:2.82:Looking For All Kinds Of Advice fm

hey y#39;all- i just recently (like 6 months ago) started caring about credit again, so i pulled my reports, started paying stuff off, etc. i pulled my eq and tu scores last week and they are 561 and 622, respectively, both up like 50 pts.anyway, i have this horrible, horriblefeeling that my 1995 odyssey (243K miles!) is about to really kick the bucket. i#39;ve never had an auto loan; i always just paid cash for clunkers.what will i need to get one? (if necessary- i#39;m hoping my car is just squealing with delight!)

more information: looking to borrow $15-18K, can do $1500 in down payment right now, income $70K/yr. will i need a bigger down payment?

thanks in advance for any advice!

(edited to add more information)

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5//Amazon Prime $1.7

DB:2.82:Looking For All Kinds Of Advice fm

(if necessary- i#39;m hoping my car is just squealing with delight!)

This just made my day. It#39;s great that you can have a sense of humor about this situation. I don#39;t have any better advice than has already been offered, but I just wanted to say how much I loved this comment. Best of luck getting financed for an awesome car.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7kStarting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012Take the FICO Fitness Challenge

DB:2.82:Mortgage Funded And Recorded At Noon. jx

By 1pm I had added $15, 000 NFCU LOC, $1, 000 USAA Amex, $2, 000 Chase Freedom, and $500 Home Depot. I plan to recon the limits for USAA and Chase so I can take advantage of the zero interest for balance transfer and purchases for the house.

DB:2.82:Mortgage Funded And Recorded At Noon. jx

Starting Score: 639 (Walmart TU)Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)Take the FICO Fitness Challenge

can anyone please provide me with an e-mail or fax number for this CA. Need a pfd. Super thank you.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

can anyone please provide me with an e-mail or fax number for this CA. Need a pfd. Super thank you.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

i#39;ve been working really hard on rebuilding my credit over the last few years and have brought up my scores significantly. 2 years ago, i was around 500, now i#39;m getting 680 on both EQ and TU. 3 months ago, i got a prequal msg from usaa, so i went for it. got a $7k limit. wow! i thought. anyway, something got a hold of me the other day after i started reading about the shopping cart trick, and i apped at overstock. $5500. i did the same at paypal credit - $2500. long story short, i apped for a chase sapphire preferred, got $8k, and thought i might want a chase amazon, too, since i order a ton from there. denied. i don#39;t even remember what the message said exactly because i was intensely watching the basketball tournament at the same time. sheesh, i know better. oh, i also apped for a citi thankyou preferred. denied on that, too, but with a definite denial message. thoughts? suggestions? i#39;ve already flogged myself for being greedy. lol

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5

good advice there. the plan is to max out points/rewards without buying stuff i don#39;t need. however, summer camp for 3 kids plus yearly vacation sure are expensive (which i already have the cash for), so i may as well get some rewards! plus i order most of our household goods from amazon, so i#39;d rather get something out of that, too, instead of using my credit builder cards. i certainly don#39;t need that merrick or cap one platinum card anymore, but i have to give them props for helping me rebuild. i did come up with a good use for the low limit cap one card, though. i added my college kid as an authorized user so he can use it ONLY for emergencies - like car repairs - with the express condition (from me) that i be contacted first. i tell ya, if i see ONE charge from a bar, he#39;s off! but i#39;m done with applying for any cards for a long, long time. next up is (most likely) buying a house next year when my car is paid off. *happy dance*

from oldest to newest (current limits): CapOne Platinum $1.5//CapOne QS $5.3//Merrick $2.9//USAA Rate Advantage $7//Paypal Credit $2.5//Overstock $5.8//CSP $8//Sallie Mae WMC $4//CapOne Venture $15//Discover It $1.5//USAir $2.5//USAA Rewards $7//Chase Marriott $5

What is a good rate for an IRRRL at this time?

What if they are charging a 1% orgination fee? What kind of rate should I get?

When should I get a GFE from the broker?

Do you recommend a certain company? BOA, NFCU, USAA.

This is how the new rules are slanted to favor big banks. They are not required to disclose on page 2 of the GFE in box 2 the amount they are making on the loan. They can check the first box, while others need to check the second box. We are limited in how much we can make on a loan. At 4.25%, you should be getting a BIG discount towards your closing costs, if not in fact paying all of them, thus reducing your total loan amount orkeeping your new loan amount the same as your current.

DB:2.80:Usaa Finally Showing Some Love! fa

So 2 months ago, I asked USAA if they would consider dropping my APR to a better rate after my deployment incentive expired. They told me that 15.9% is the best they could offer me! (been at 15.9% since I opened the card a couple years ago) Today I login and look at my card and. 11.9% after incentive. Too bad I already switched to Amex Blue as my daily spender! Can#39;t beat better rewards

Follow my story, road to 800!From 800 to Foreclosure - Effects of Negatives

DB:2.80:Usaa Finally Showing Some Love! fa

So 2 months ago, I asked USAA if they would consider dropping my APR to a better rate after my deployment incentive expired. They told me that 15.9% is the best they could offer me! (been at 15.9% since I opened the card a couple years ago) Today I login and look at my card and. 11.9% after incentive. Too bad I already switched to Amex Blue as my daily spender! Can#39;t beat better rewards

Follow my story, road to 800!From 800 to Foreclosure - Effects of Negatives

Ok so after reading Rhaeny#39;s post about CLI#39;s and opening up this bottle of wine. I decided to apply for USAA low rate card. I take back every bad thing I said about USAA lmao.. I got approved for $15,000 @ 6.9 rate plus prime.. I was too cheap to have the card rushed for $8.00 bucks, so I gotta wait 7-10 haha. OMG, I fell out of the GARDEN. I will not apply for anymore cards until 2015

myjourney wrote:Alaskagurl wrote:

I know right.. I just got CLI#39;s on NFCU not long ago and didn#39;t have any card to CLI lol so I got me a new one.

Now back to the garden with that great seedling

No doubt. I lasted 7 weeks in the garden since getting Alaska air card! Lol, this time I will be staying for 2 yrs.

I got a call from USAA tonight.. they approved me for a $20,000 car loan at a pretty decent rate (8.5%), as opposed to the rate on the current car loan I have (with Drive Financial for 17.9%. grrr). USAA also gave me a $5000 Amex and a $5000 Mastercard this week. Clearly they pull EQ, as my other scores are not very good. I think my EQ score is in the mid 600#39;s.Jennifer Z

I was denied for their CCs over and over. but I got everything cleaned up on my EQ, and even with limited credit history, they finally gave me 2 $5K CCs, plus they just refinanced 3 cars for us at 9.8% (they had offered me 8.5% for a new one, but for refi they offered 9.8%, which is still better than what we have on any of them, so I can#39;t complain at all). I#39;m hoping in 6 months or so I can ask for a lower rate. I just had to get the collections and public debts off my EQ. but fortunately, EQ is the easiest of the 3 to deal with. We have our checking with USAA, but my hubby wants to move it all to NFCU. he might reconsider now. LOLDon#39;t give up!Jennifer Z

I decided to refi my auto loan of $33,500 with USAA at a 3.74% rate. Can someone tell me how to make extra principal payment only on the website?

I decided to refi my auto loan of $33,500 with USAA at a 3.74% rate. Can someone tell me how to make extra principal payment only on the website?

DB:2.79:Finally Decent Fico Score--App Spree? jx

only have three open credit accounts which have been open about 2.5 years--hard pulls in the past year--exp-0--equi 5-none in past six months, and trans u 3 -none in the past 6 months---util 4%--scores near 700--can i pull the trigger on 2 or 3 new acoounts or not--trying to get more open accounts? No major purchases coming in the next 2 years--tran union highest score

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:2.79:Finally Decent Fico Score--App Spree? jx

I say go for a Discover it card if you app for anything. Also maybe go for a Walmart card as well for the free TU Fico each month and maybe app for a Chase card.

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 8,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe#39;s 6,000 - Fulton 6,000 - Amazon Store Card 2,000

DB:2.79:Wallmart Tu-8 Vs. Credit Karma-Beware! xf

Have been reading about all the good scores from the recent wallmart fico scores released on the 4th--decided to pull mine up and credit karma. I know I am going to get killed for this by all the know it allcredit experts about algorithm#39;s and fakeo differences but. wallmart TU -08 score 778---credit karma 678--it#39;s a joke--don#39;t even consider credit karma as a guiding tool. Thanks I feel better!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

DB:2.79:Wallmart Tu-8 Vs. Credit Karma-Beware! xf

CK only includes the AAoA of open accounts.

They only include payment history for 2 years, hence you can get a 0 derogatory statement from them have dones of 3 year + lates.

Starting Score: 504July 2013 score: EQ FICO 819, TU08 778, EX 806 lender pull 07/26/2013Goal Score: All Scores 760+, Newest goal 800+Take the myFICO Fitness ChallengeCurrent scores after adding $81K in CLs and 2 new cars since July 2013EQ:809 TU 777 EX 790 Now it#39;s just garden time!

Just one of those days when I feel like apping. CSP and Pen Fed. Must resist. What is my problem?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay#39;s Apple 1,500, Barclay#39;s Ring 1500, Various Store Cards.

It is tough but you can do it!!

I#39;ve been reading this board for the last year and this is my first post.

I was finally approved for a USAA MC with a 9.9 interest rate. I would like to transfer the $600 balance fromCredit One Bank CC (which is at 24% plus a monthly $8.95 maintenance fee) and close that account. If I do that will my FICO score go down?

Thank you for your help.

Oh and I#39;m a full USAA member.

Toying with the idea of sending in my income verification to USAA and Navy Fed before asking for cli and new cards. The reason I#39;m thinking about this is my credit report basically says I am retired military and I currentlyhave two part time jobs--trying to enhance chances--thoughts?

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500current scores: TU 761 Equifax 773Exp 742

Toying with the idea of sending in my income verification to USAA and Navy Fed before asking for cli and new cards. The reason I#39;m thinking about this is my credit report basically says I am retired military and I currentlyhave two part time jobs--trying to enhance chances--thoughts?

Honestly, I would make sure you have the actual/accurate income numbers updated in their computer system before you request a CLI. If they ask for verification. then I would go ahead with it. Good Luck!

Just wanted to share. I noticed the variable APR starting rate for USAA cards just went up to 9 %! Two weeks ago it was at 7 %. very interesting considering all the recent Fed rate cuts.

Money market accounts and CD#39;s have plunged everywhere. I had just about freed up enough cash to buy a CD when blammo. When the Fed rate goes down to 3%, you#39;re not going to see much better on CD#39;s and MMA#39;s.

DB:2.79:Usaa Car Circle Auto Buying Service Questions xk

Anyone here use this service by USAA before?

Anyone know what FICO Score you need to get USAA#39;s best rates on a Used Car?

FYI. It appears, after speaking with them, that if you buy an auto as old as 2013-2015, they will offer you the NEW CAR loan rates. I am thinking of taking advantage of this. But, I#39;d like to know if anyone knows what FICO Score are they expecting for these rates?

Lastly, how much different will my auto enhanced FICO Score be from my generic? USAA pulls Equifax, btw. Ihave one closed USAA Car loan on my Equifax. No lates. Paid as Agreed. And, one current Car Loan from my Credit Union. No Lates. Paying as Agreed. Two year old tradeline.

DB:2.79:Usaa Car Circle Auto Buying Service Questions xk

FYI, PenFed is currently 0.99% APR for up to 36 months on new vehicles when buying through their car buying service.

I#39;m curious. does anyone have aUSAA Rate Advantage MasterCard with their lowest advertised APR of 6.9%?

I#39;ve got flawless credit. zero missed payments, a long credit history, a credit score of 750+. I have an NFCU platinum card with their lowest advertised rate of 7.9%. When I first applied for theUSAA Rate Advantage MasterCard two years ago I was approved at 10.9%. I have yet to receive an APR decrease, even after calling them and manually requesting it.

So, I#39;m wondering how my APR with USAA is 4% higher than their lowest rate when my credit couldn#39;t really get much better than it already is (and I now have two years of history with them). On the other hand, NFCU is giving me their lowest rate available.

Is there any point to holding out any longer with USAA. or should I just get another NFCU card and cancel USAA? I#39;m starting to get the feeling that USAA doesn#39;t lower APR once you#39;ve been locked in.

CreditScoreBlueprint wrote:efranklin23 wrote:CreditScoreBlueprint wrote:

I#39;m curious. does anyone have aUSAA Rate Advantage MasterCard with their lowest advertised APR of 6.9%?

I#39;ve got flawless credit. zero missed payments, a long credit history, a credit score of 750+. I have an NFCU platinum card with their lowest advertised rate of 7.9%. When I first applied for theUSAA Rate Advantage MasterCard two years ago I was approved at 10.9%. I have yet to receive an APR decrease, even after calling them and manually requesting it.

So, I#39;m wondering how my APR with USAA is 4% higher than their lowest rate when my credit couldn#39;t really get much better than it already is (and I now have two years of history with them). On the other hand, NFCU is giving me their lowest rate available.

Is there any point to holding out any longer with USAA. or should I just get another NFCU card and cancel USAA? I#39;m starting to get the feeling that USAA doesn#39;t lower APR once you#39;ve been locked in.

I wouldn#39;t complain about the APR unless you#39;re planning on holding a balance on the card. Based on your CS, that APR is about right as you don#39;t have the best possible score so why expect the best possible APR?

And remember, not all Creditors are the same. While NFCU is more lenient with their credit and APRs, USAA tends to be more on the conservative side.

I realize I don#39;t have THE best score. However, they have manually reviewed my account. And they saw someone who makes $200,000, had a score of 780 at the time, has a relatively long credit history, zero missed payments (or any other blemish), one inquiry, credit cards with limits of $25,000, a utilization of about 5%, a mortgage in good standing, and multiple auto loans successfully paid off.

The difference between me and someone with a score of 850? Maybe a few years of additional history. nothing more.Now tell me, if I#39;m not getting anything better than 10.9%, how many people do you actually think have lower APRs than that?

Are they straight out lying about it? No. I#39;m not claiming that. But any unbiased person without an emotional connection to USAA surely recognizes that if they#39;re only giving that 6.9% to people with a score of 850, and then giving everyone else with a score of 849 and lower a jump to 10.9%. then the reality is that the 6.9% is just a marketing prop. Clearly an attempt to compete with NFCU (who actually honors their lowest advertised rate in an acceptable manner), knowing they have no intention of going below the 10.9% with the VERY rare exception.

You have to keep in mind that while NFCU may gave you the lowest possible rate, USAA refuses to do so. It#39;s their right (Based on risk and many other factors) to adjust the APR accordingly. If they don#39;t feel that you deserve the lower APR, nothing can be done about it except a recon (USAA is usually firm on these and stand their ground most of the times). As a previous poster stated, you have a real good rate, this is nothing to worry about unless you plan on carry a large balance.

USAA (just like Discover and BofA) tend to have stricter guidelines on lowering APRs. While I see you clearly have a great portfolio (most ppl would die on here to have), I would just wait another 6 months and try again.

$13.5K$7K6K$15K$5K1K$5KEQ-659 TU-676 EX-705 (as of 8-15-14)