ctfudge&bankofC-ville Posted January 19, 2008 Report Share Posted January 19, 2008 I applied for a USAA Mastercard (they only have two cards, the MC and the AMEX which is not a "real" AMEX, it's bank-issued)And I got turned down. It was an automated reply that came back in about 30 seconds or less. It quoted the usual reasons I am a loser.Since the reply was so swift, I'm pretty sure it was computer-generated and not looked at by a human. The funny thing is, they gave me the AMEX last May or June, and I'm in perfect standing with it, and it's been open more than six months, so I thought I would apply for their other card. When I applied for the AMEX last summer, they told me I'd hear in a few hours and I did. I figured that meant someone had to actually look at it.Factors NOT in my favor:My FICO was at a high of 690 sometime last summer, it's 671 now (which I thought was good - maybe I need to get a reality check)My USAA AMEX is within $100 of its $2500 limit (doh) (but I just made a payment earlier this month and just scheduled a $70 payment today)My overall credit usage is at about 52%.I sent them a nice note explaining why I'm such a good USAA customer and why they should give my application another look. I pointed out that I have an investment account there worth $1700, and while I know that's not exactly collateral in their eyes, I hope it will count for something that I'm doing business with the other branches of USAA. Also, I opened a checking account with them (never mind that it has $3 in it after that $70 payment), a month ago. I hope all of this will sway them, but I realize it might all mean nothing to them.I'll print my request for reconsideration letter if it works. If it doesn't, why would anyone want to see a worthless failure of a letter that did not convince them that I'm not a total loser? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 19, 2008 Report Share Posted January 19, 2008 Link to comment Share on other sites More sharing options...
pointman Posted January 22, 2008 Report Share Posted January 22, 2008 Good Luck Fudge! Hopefully your next post will be about the the recon love you got! Link to comment Share on other sites More sharing options...
chucksnee Posted January 22, 2008 Report Share Posted January 22, 2008 Call them, USAA has great CSR's. I love USAA, I want there AMEX card. I just hit 700+ on FICO so I'm going to call them; but since I live in Korea when I click on the link it says no out-of country ISP address allowed for this service. Link to comment Share on other sites More sharing options...
TTigggers Posted January 22, 2008 Report Share Posted January 22, 2008 Good luck hope all goes well Link to comment Share on other sites More sharing options...
rmuse00 Posted January 22, 2008 Report Share Posted January 22, 2008 Here's hoping! Link to comment Share on other sites More sharing options...
ctfudge&bankofC-ville Posted January 22, 2008 Author Report Share Posted January 22, 2008 Aw, you guys are so nice... They just sent me a form "FO" e-mail letter. (It's like a FOAD but without the AD). They said I could call with any questions, but since that was in the p.s., it sounds like, "Call and we'll explain to you why you don't meet our high standards."I sometimes, ahem... take some liberties (sorry, honesty sticklers - I am honest in personal relationships but not always with big financial companies) when I work up job and income data*, so I don't really want to be put through an interrogation. That's why I'm not calling them. I think I'll just apply again, whether that's six months or a year from now, when it's not such a struggle.(*Before I get drawn and quartered, I only mean that I don't always differentiate between the hub's income and "family income," and he's fine with that; many applications ask specifically for or mean family income, but sometimes they treat income of married people separately - wow, this subject could be its own thread.)I really need to pay off what I have, and I'm sure that's the crux of why they didn't want to hand me another card - that would make them smart, actually. Link to comment Share on other sites More sharing options...
pointman Posted January 23, 2008 Report Share Posted January 23, 2008 Turds! Link to comment Share on other sites More sharing options...
ctfudge&bankofC-ville Posted January 23, 2008 Author Report Share Posted January 23, 2008 Thanks, Pointman! You don't mince words, do you? You said what I was really thinking about those people. Link to comment Share on other sites More sharing options...
pointman Posted January 23, 2008 Report Share Posted January 23, 2008 I have others, but I'm not sure I could get away with callin' 'em "anus apertures"... Link to comment Share on other sites More sharing options...
ctfudge&bankofC-ville Posted January 23, 2008 Author Report Share Posted January 23, 2008 Let's call them anal fissures and be done with it. Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 23, 2008 Report Share Posted January 23, 2008 I sometimes, ahem... take some liberties (sorry, honesty sticklers - I am honest in personal relationships but not always with big financial companies) when I work up job and income data*, so I don't really want to be put through an interrogation. That's why I'm not calling them. I think I'll just apply again, whether that's six months or a year from now, when it's not such a struggle.(*Before I get drawn and quartered, I only mean that I don't always differentiate between the hub's income and "family income," and he's fine with that; many applications ask specifically for or mean family income, but sometimes they treat income of married people separately - wow, this subject could be its own thread.)I always add a little something on for the DF's income. I don't add on his whole salary just an extra 15 or 20K. They do usually say "household income" and he's part of my household and pays his half of the bills. Link to comment Share on other sites More sharing options...
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