topic Re: USAA-Partial Members Only in Credit Cards

USAA-Partial Members Only

Mellon — Thu, 15 Nov 2012 15:23:56 GMT

For the partial members... have you been approved for any of their credit products, if so what card, credit score and CL? I already know they are more lenient with FULL members but I want to hear from the partial members and their credit experiences. Thanks!!

Re: USAA-Partial Members Only

princechristian — Thu, 15 Nov 2012 15:56:06 GMT

I'm currently a partial member and would like to know as well!

???

Re: USAA-Partial Members Only

nicholasyud — Thu, 15 Nov 2012 16:04:28 GMT

Mellon wrote:
For the partial members... have you been approved for any of their credit products, if so what card, credit score and CL? I already know they are more lenient with FULL members but I want to hear from the partial members and their credit experiences. Thanks!!

Partial member.
Usaa reward Mastercard
675 Fico score.
$4000 start out limit
my highest limit is my lovely Crappy One $500. Now they had been place in sockdraw ** what in my wallet ***

Re: USAA-Partial Members Only

Mellon — Thu, 15 Nov 2012 16:08:14 GMT

Congrats!!

Re: USAA-Partial Members Only

bahbahd — Thu, 15 Nov 2012 16:10:29 GMT

What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.

Re: USAA-Partial Members Only

princechristian — Thu, 15 Nov 2012 16:10:29 GMT

nicholasyud wrote:
Mellon wrote:
For the partial members... have you been approved for any of their credit products, if so what card, credit score and CL? I already know they are more lenient with FULL members but I want to hear from the partial members and their credit experiences. Thanks!!
Partial member.
Usaa reward Mastercard
675 Fico score.
$4000 start out limit
my highest limit is my lovely Crappy One $500. Now they had been place in sockdraw ** what in my wallet ***

Which bureau did they pull from? Thanks.

Re: USAA-Partial Members Only

Mellon — Thu, 15 Nov 2012 16:14:47 GMT

bahbahd wrote:
What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.

Any one can join USAA.. bu they have membership designations. Full members are those who serve or have eligibility for their insurance products. if not you are a partial member. A partial member have limited credit card options and may not get the rates and CL of full members

Re: USAA-Partial Members Only

nicholasyud — Thu, 15 Nov 2012 16:17:03 GMT

bahbahd wrote:
What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.

Look on the website for qualifme full member otherwise you can join as partial Member. Not get a full benefit but got some. Just fill in your information and I think everyone would be qualify.

They pull Experian and I lived in Fl. Hope it help.

Re: USAA-Partial Members Only

princechristian — Thu, 15 Nov 2012 16:20:09 GMT

nicholasyud wrote:
bahbahd wrote:
What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.
Look on the website for qualifme full member otherwise you can join as partial Member. Not get a full benefit but got some. Just fill in your information and I think everyone would be qualify.

They pull Experian and I lived in Fl. Hope it help.

Helps a lot! My Experian is 'somewhere near' 610 currently, will wait till it gets 'somewhere near' 675 before I app. Lol. Thanks again.

Re: USAA-Partial Members Only

nicholasyud — Thu, 15 Nov 2012 16:24:02 GMT

Clean them up........those baddie hold your score down. Working on it before apps for anything else

Re: USAA-Partial Members Only

princechristian — Thu, 15 Nov 2012 16:40:36 GMT

Already in progress! Thanks again!

Re: USAA-Partial Members Only

kimmiller112 — Thu, 15 Nov 2012 16:42:05 GMT

I am a partial member and I have a platinum mastercard with a $4000 CL. My credit score was around 690 when I applied. It is about 4 months old.

Re: USAA-Partial Members Only

WhiteCollar — Thu, 15 Nov 2012 17:19:34 GMT

What APR's did you guys receive?

Re: USAA-Partial Members Only

namvet — Thu, 15 Nov 2012 17:23:45 GMT

princechristian wrote:
nicholasyud wrote:
Mellon wrote:
For the partial members... have you been approved for any of their credit products, if so what card, credit score and CL? I already know they are more lenient with FULL members but I want to hear from the partial members and their credit experiences. Thanks!!
Partial member.
Usaa reward Mastercard
675 Fico score.
$4000 start out limit
my highest limit is my lovely Crappy One $500. Now they had been place in sockdraw ** what in my wallet ***
Which bureau did they pull from? Thanks.

USAA pulled EQ for me (Texas).

Re: USAA-Partial Members Only

Revelate — Thu, 15 Nov 2012 17:44:33 GMT

Mellon wrote:
bahbahd wrote:
What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.
Any one can join USAA.. bu they have membership designations. Full members are those who serve or have eligibility for their insurance products. if not you are a partial member. A partial member have limited credit card options and may not get the rates and CL of full members

Actually bahbahd, your parents are eligable as are you with a grandfather who served. You may have to walk through a bit of process to establish it, but you can absolutely get full membership. USAA isn't as challenging to obtain membership in as NFCU.

AFAIK partial vs. full: the underwriting criteria is identical; however, USAA may (anecdotally of course) be more generous with limits with full members which is incredibly hard to determine as everyone's credit and financial profiles are different. Also as a partial member, there are some products which you cannot qualify for (secured cards, not sure why on that one, also the Amex, perhaps a few others), but otherwise things are the same to my knowledge.

USAA pulls EQ all the time, every time. Military service oriented organization, and the bulk of their clientele at least were on the East coast back in the day, so that regional affiliation applies to them. Probably will change in the future I'd guess, but for now they've stayed consistently with EQ.

Re: USAA-Partial Members Only

madmann26 — Thu, 15 Nov 2012 17:51:10 GMT

You cannot get thier secured card as a partial member. I emailed them about this 2 days ago and they responded with that I have to be a full member. FYI.

Re: USAA-Partial Members Only

mum4519 — Thu, 15 Nov 2012 17:55:17 GMT

So being I have never served, I can still become a partial member? Do you have to open some sort of account to be a partial member?

Also, I see they have a lot of CCs. What card would anyone recommend for me as a decent card? My FICO is right around 690.

Thanks all!

Re: USAA-Partial Members Only

nicholasyud — Thu, 15 Nov 2012 18:04:46 GMT

To white collar: I get the maximum APR 25.9 % for purchase but PIF anyway so it dont matter.....also they offer %0 APR balance transfer and convinence check........for 1 years.

Re: USAA-Partial Members Only

WhiteCollar — Thu, 15 Nov 2012 18:06:04 GMT

Thanks - nicholasyud

Re: USAA-Partial Members Only

awal — Thu, 15 Nov 2012 18:16:05 GMT

madmann26 wrote:
You cannot get thier secured card as a partial member. I emailed them about this 2 days ago and they responded with that I have to be a full member. FYI.

This must be a new policy. I have a secured USAA card & I'm a partial member. The card is about 10 months old. I dont have any other account or affiliation with them.