So, I've shared bits and pieces of my story along the way on the MF forum--but as a brief recap, I was once a very prime borrower, high income, average Fico was 760-770. Thanks to the financial crisis, similar to what happened to many of us, I lost my job and after years of trying to hang on to my good credit I had to let it take a nose dive for awhile. I ended up closing almost all of my credit card accounts. About half of them were enrolled in CCCS after several lates. The others, my creditors didn't accept CCCS but set me up in a hardship program. Fast forward a few years. I am in a great position financially. I paid off all CCCS accounts three years early. And since that time I've tried to reestablish relationships with each creditor. All, including Citi, have welcomed me back. Except one! USAA. I tried a few times over the last few months to get approved for a basic Classic card.
The 2nd denial they simply cited the sole reason for denial was my previous relationship with them! They offered me the secured card. I did not accept. That was three months ago. Why did I try again tonight? No clue!! But I guess the stars were finally aligned in my favor! Approved for $1k-Amex Classic! Why am I so excited for this approval?! Probably because they wouldn't let me back in until now! But also I think it's because USAA has truly been great to me over the years. I wanted very badly to have a 2nd chance again. Thanks USAA for giving that to me Image may be NSFW.
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