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BEST&EASIER Alliant,USAA?

Established Contributor

BEST&EASIER Alliant,USAA?

Which of these two are easiest to get and give higher credit limits iyo? And best services?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 1 of 22
21 REPLIES
Frequent Contributor

Re: BEST&EASIER Alliant,USAA?

Alliant hates me!!

Message 2 of 22
Mega Contributor

Re: BEST&EASIER Alliant,USAA?


MountainHiker wrote:

Which of these two are easiest to get and give higher credit limits iyo? And best services?


Are you eligible for USAA full member status?

 

 




EQ FICO 548 3/3/16
Message 3 of 22
Established Contributor

Re: BEST&EASIER Alliant,USAA?

Alliant hates me too!!

Total Overall Credit Limit- $325k
Message 4 of 22
Established Contributor

Re: BEST&EASIER Alliant,USAA?


LS2982 wrote:

MountainHiker wrote:

Which of these two are easiest to get and give higher credit limits iyo? And best services?


Are you eligible for USAA full member status?

 

 


Not sure.That Credit Union might be for only select members such as military and such. That would dis-qualify me for sure.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 5 of 22
Valued Contributor

Re: BEST&EASIER Alliant,USAA?

USAA full membership for veteran or current military and families etc.

               LIMITS IN CARD DESCRIPTIONS
Message 6 of 22
Established Contributor

Re: BEST&EASIER Alliant,USAA?


Mellon wrote:

Alliant hates me too!!


I doubt that.They just haven't heard about your good qualities yet. But they will.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 7 of 22
Established Contributor

Re: BEST&EASIER Alliant,USAA?


Crashem wrote:

USAA full membership for veteran or current military and families etc.


Thanks Crashem.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 8 of 22
Super Contributor

Re: BEST&EASIER Alliant,USAA?

USAA is a bank, not a credit union, quick FYI Smiley Tongue . if you have no military background (or anything else listed in their eligiblity list) or a family member who is a full member and has purchased P&C products through them, then you are only eligible for partial member status, which is limited to banking, and 3 different credit card options. 

 

You can get into alliant by making a donation to one of their non-profit organizations listed on their site if you don't qualify to bank with them. 

 

 

 

Edit: Bah, I always feel stupid when people reply while I'm typing. haha Smiley Very Happy

Message 9 of 22
Valued Member

Re: BEST&EASIER Alliant,USAA?


MountainHiker wrote:

Which of these two are easiest to get and give higher credit limits iyo? And best services?


If you are new to Alliant, my experience has been that they are not very generous with their initial CLs. When my fiance first applied, his initial CL was very low. We called and requested reconsideration, especially considering he had also opened a savings account with a considerable balance. After the rep spoke with underwriting, she conveyed that they could only go as high as $3K since he was new to Alliant. She suggested he request a CLI after the relationship was more established.

 

Note that as of our asking about six months ago, Alliant responded they do not give automatic CLIs. You must request a CLI, upon which they perform a HARD inquiry.

 

My experience with USAA, which I don't think is a credit union btw, is that their customer service is fabulous.

 

Message 10 of 22