Chip Lupo, Credit Card Writer
@CLoop
Your USAA credit card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from USAA explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call USAA to ask for reconsideration. However, you’re only likely to succeed if you can prove your credit and/or income are significantly better than they appeared on your application.
Possible Reasons Your USAA Credit Card Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report (which you should check for and dispute)
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
If you were denied for having too low of a credit score, consider applying for a card with more relaxed requirements next time. The easiest credit cards to get approved for are secured cards, which require a refundable security deposit to open the account. The deposit amount is your credit line in most cases, so there’s far less risk to the card issuer. You can check out our editors’ latest picks for the best secured credit cards on the market to weigh your options.
People also ask
How do I contact the USAA reconsideration line?
To request reconsideration for a rejected USAA credit card application, call USAA customer service and ask a representative to direct you to the reconsideration department. Asking for reconsideration is a way for you to request a second review of your application and potentially get a denial overturned.
What You Need for USAA Reconsideration
If you call to request reconsideration from USAA, make sure you are prepared to make an argument for why you...
read full answer by WalletHub, Financial CompanyWhat are my USAA credit card approval odds?
USAA credit card approval odds are best for people with good credit scores of 700+, an annual income of $40,000+, minimal debt, and steady employment. Each applicant will also need to be 18+ years old with a U.S. mailing address and an SSN.
Credit Score Requirements for Good USAA Credit Card Approval Odds
- USAA Rate Advantage Credit Card: Good credit or better
- USAA® Cashback Rewards Plus American Express® Card: Good credit or better
- USAA® Rewards™ Visa Signature® Card: Good credit or better
- USAA Preferred Cash Rewards Credit Card:...
What is the easiest USAA credit card to get?
The easiest USAA credit cards to get are the USAA® Secured American Express® Card and the USAA® Secured Visa Platinum® Card, since both are available to people with bad credit. Because they’re secured cards, they also require a deposit of at least $250 that serves as your credit limit.
Credit Requirements for USAA Credit Cards
| Credit Card | Minimum Credit Score Required |
| bad | |
| bad |
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.