"Instant Online Approval !!!"

USAA Cash Rewards® World MasterCard® Review
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Written by: kdb030609 on 2010-08-07

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kdb030609's review: Callout Comment I applied online today. I received instant approval $7000 CL & APR 18.9 not their lowest. I was totaly amazed at such a high Credit Limit. Scores are EX 726 EQ 728 TU 755. It said I would receive the card in 7-10 business days. I'm definitely excited to have a USAA Card.


Comment 1 by wanderer
Re: Instant Online Approval !!! User Icon on 2010-08-07

Remarks Congrats! WOW! You will find USAA Federal Savings Bank FSB will treat you right. As to APR's, they review accounts and you can request adjustments. They have many really cool services and products so you may find yourself exploring other products over time and they pay dividends back on property & casualty (if you qualify). I joined them in February 2010 thanks to ColoNative and FG who had knowledge and experience. Great choice!!! NO REGRETS!
Comment 2 by nckuttoomm
Re: Instant Online Approval !!! User Icon on 2010-08-08

Remarks My question is: since you CS is EX 726 EQ 728 TU 755, why did you still apply this card with pretty much 1~1.25% cash back??? You totally can apply for some other credit cards with much better offer. Even the First National Bank Max Reward is more than that. In my case, I got Discover More when my CS is still around 10~30 points lower than yours. Apparently you're not like many other people here who have some or serious problems in credit history.
Comment 3 by colonative
Re: Instant Online Approval !!! User Icon on 2010-08-08

Remarks Congrats! I have never heard anything bad about USAA.

Just for grins and giggles I looked at all of your past reviews. You have amassed quite a few cards. Have you closed any of the other ones or do you still have all those cards?
Comment 4 by kdb030609
Re: Instant Online Approval !!! User Icon on 2010-08-08

Remarks Nckuttoomm - Yes I do have decent scores. I also have a Discover More card for over two years now. I applied with USAA Because I want to expand my banking relationship with them. I already have a checking account with them. I like banking with them their customer service is excellent.

ColoNative - Yes I'm in the process of deciding which accounts I should let go! Let me know if you've got any thoughts on the subject. One for sure is going to be HSBC Visa & Probably my Exxon/Mobil Mastercard fom Citibank. The rewards were great on the Citi card until Exxon/Mobil sold all their stations in the valley to Circle K. I buy a lot of gas. As for the HSBC Visa the CL is still the same so that is a no brainer.

I know I'm officially done applying for any cards now! I know I've got some great cards. I'm going to work with what I've got. I'm just going to credit farm with what I've got. I want to get my scores to the 800 mark. I know my scores are getting close.
Comment 5 by colonative
Re: Instant Online Approval !!! User Icon on 2010-08-08

Remarks Good idea.

It depends on what rewards you use the most. To get the most of of a reward card, it should be your everyday go to card. It cracked me up that you have that Toyota card and a GM card.

You don't want to close them all out at the same time though because of age and credit limits reporting.

You are probably right about just closing the ExxonMobil and the HSBC Visa. Maybe Dell too if that is paid off.
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