On or about the 15th of October 2010 I received two offers from USAA Savings Bank for a “Pre-Approved” USAA Platinum MasterCard, and a “Pre-Approved” USAA American Express Card. I mailed both applications back to USAA Savings Bank only because they told me that I was “Pre-Approved for both cards. If it hadn’t been for that, I most likely would have thrown the applications in the trash. on October 27, 2010 USAA Savings bank sent me a letter telling me that they disapproved my application for the Platinum MasterCard, and on October 28, 2010 they sent me another letter saying I was disapproved for the American Express Card. I consider this false, misleading, and deceptive advertising. Now I have two negative Inquiries showing on my credit report. USAA prays on military people like a bunch of vultures, and should be stopped.