I started rebuilding in April and USAA made me an offer on a plat @ 14.99% around August. I applied in October (planned spree) and got an instant 7k. I ran 2k through the card in November and PIF. My October (5 card) spree reported and my scores are still below 700 from it and USAA offered me a world Rewards @ 13.99% today.
No it's not a great Rewards card (3% gas and 1.25% on purchases) but i have to say i am VERY happy with USAA and would recommend them to anyone.
I wont take this offer (gardening) but it's great to know if an emergency arises... a rebuilder has a 0% / 13.99% BT offer with convenience checks (I still have an open fed tax lien on my reports and my CU wont touch me). I also have a 4.75% auto loan offer and an HELOC offer from USAA.
All from getting an unbeatable rate on insurance. I think they're a keeper.
This offer includes...
- Enjoy a 0% introductory APR until 09/01/2016, on balance transfers and convenience checks that post to your account by 02/28/2015. After 09/01/2016, your Regular APR of 13.90% will apply to these introductory balances and any new transactions.
- Get up to 1.25% cash back on your everyday credit card purchases and a special gas rebate offer.
- No annual fee and zero liability for unauthorized transactions.
Earn more with your Cash Rewards:
- Get a 3% gas rebate on your first $150 in monthly gas purchases for 1 year.
- Get up to 1.25% cash back on your everyday credit card purchases.
I really like USAA's auto insurance ... they are going bonkers with all the new products lately, even offering health and pet insurance and the like. I like them a lot. My experience has been that if you are unhappy with something, tell 'em. Most times they've tried to set things right.
congrats
