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Valued Member
Brianinpa18330
Posts: 39
Registered: ‎11-15-2009

Approved for 15,000 USAA Non-Member card

After reading some posts I saw you can get their card without any military affiliation. I had to call to join and then I applied online, after the app it asked some verification questions from CR then approved for 15,000. The problem is a 15% apr! Anyone called to see if it can be lowered? Mu eq was 745 and 19% util.
New Contributor
IIIII
Posts: 55
Registered: ‎11-08-2009

Re: Approved for 15,000 USAA Non-Member card

Congrats on your approval and thats a very nice CL!

 

When you say you joined them does that mean you had to open a savings/checking account? Sorry couldnt help with your question about the apr lowering, i have no experiece with USAA. 


Starting Score: (1/22/2010) TU 759, Eq 742
Current Score: (6/22/2010) TU 724, Eq 735
Goal Score: (1/01/2011) TU 800, Eq 783


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Senior Contributor
Ron1
Posts: 4,707
Registered: ‎05-23-2009

Re: Approved for 15,000 USAA Non-Member card

Congrats on your approval!!! You can call to ask them to lower APR. I never any experience.

 

 

Ron. 

Valued Member
Brianinpa18330
Posts: 39
Registered: ‎11-15-2009

Re: Approved for 15,000 USAA Non-Member card

I didnt have to open any accounts, just called them up and gave them my info, They gave me a USAA # and I enrolled online with it. Very friendly and easy.
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Approved for 15,000 USAA Non-Member card

Congrats on the approval! By chance what # did you call to join? I wouldnt mind trying it out if I dont have open a savings/checking account. Thanks!


$100K in Credit
Last Credit Card App: 11/16/13
New Contributor
swanky
Posts: 62
Registered: ‎12-25-2009

Re: Approved for 15,000 USAA Non-Member card

Congrats on the card.  Just make sure that you PIF every month and then you will not have to worry about the APR.

 

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Approved for 15,000 USAA Non-Member card

The lowest rates are reserved for full USAA members.  I'm not sure what their lowest available APR is for "lite" members, but it will be higher.

 

Lowest APR for full members currently is 8.9% variable.

 

PenFed has a rate over 13%, so this may not be abnormally high for your situation with USAA.  Let us know if you manage to get a reduction.

 

And CONGRATS!

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
Ron1
Posts: 4,707
Registered: ‎05-23-2009

Re: Approved for 15,000 USAA Non-Member card

[ Edited ]

txjohn,

 

The lowest APR for lite member is 10.9%. with no rewards. OP got a nice CL after he joined without opening checking and savings account. The APR is a little higher compared to full member. I couldn't get approved after I joined last year. I had to wait for almost a year to qualify for the credit card.

 

 

Ron. 

Message Edited by Ron1 on 01-21-2010 02:55 PM
Message Edited by Ron1 on 01-21-2010 02:56 PM
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Approved for 15,000 USAA Non-Member card

USAA places a lot of emphasis on membership as well as on the "depth of relationship" which means multiple products.

 

I wonder if the OP had opened a checking/savings if this would have affected the APR at all?

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
Ron1
Posts: 4,707
Registered: ‎05-23-2009

Re: Approved for 15,000 USAA Non-Member card

[ Edited ]

txjohn,

 

I agree.

 

 

Ron. 

Message Edited by Ron1 on 01-21-2010 03:08 PM

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