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Regular Contributor
Posts: 266
Registered: ‎09-05-2012
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Does USAA Allow You to Upgrade Your Mastercard?

I am pretty dumb in that I applied for a regular Platinum USAA Mastercard and was approved just earlier this month. I didn't realize I could have got a World Mastercard through their Affiliate link. I'm wondering if anyone has had any success doing an upgrade or product change from their Platinum to World mastercard? I tried calling USAA right now but was on hold for 15 min and had to do something so I hung up.

 

Question number 2 would be: If I applied for their World Mastercard straight up and just canceled the other card in 6 months? Do they allow you to have two mastercards at once?

 

Thoughts?




Contributor
Posts: 567
Registered: ‎10-04-2012
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Re: Does USAA Allow You to Upgrade Your Mastercard?

AFAIK I know their limit is three cards. I have two.

 

You can apply for the second card and take the hit for the HP with a chance of being approved, or just call them and ask for a product change. Choice is yours.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
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Registered: ‎11-13-2011
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Re: Does USAA Allow You to Upgrade Your Mastercard?

I have 5 of their credit cards. 3 master cards, 1 amex and 1 visa.  I don't think you can upgrade, but you can apply for another mastercard if you want.  Of course, there will be another hard pull on credit report.

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
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Contributor
Posts: 567
Registered: ‎10-04-2012
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Re: Does USAA Allow You to Upgrade Your Mastercard?


suebee123 wrote:

I have 5 of their credit cards. 3 master cards, 1 amex and 1 visa.  I don't think you can upgrade, but you can apply for another mastercard if you want.  Of course, there will be another hard pull on credit report.


LOL, I stand corrected, and happily so. Most cards I've ever seen from a single lender.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Regular Contributor
Posts: 249
Registered: ‎12-24-2012
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Re: Does USAA Allow You to Upgrade Your Mastercard?

There is no limit to the number of cards and you can have more than one of the same card with them.  They do, however, have a limit at total credit exposure set at $50k.  Going above $50k requires jumping through hoops with no guaranty even then of success.

 

IME, you can PC from a platinum MC to a World.  It will depend, though, on the specific product.  I think their Rate Advantage MC cannot be converted, or something like that.

Regular Contributor
Posts: 266
Registered: ‎09-05-2012
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Re: Does USAA Allow You to Upgrade Your Mastercard?

[ Edited ]

I just talked to a USAA rep. According to her, I do not qualify for the World Mastercard because I have to be PNC eligible (property and casualty insurance) which basically means I have to be a full member. So I have two options.

 

1. Have my step dad give me his information through the airforce so they can verify him as a USAA member and make me eligible for the upgrade.

 

2. Apply for the card I want and take the hard pull. Not sure I want 3 cards with them at this time, but it's an option. I have already been approved for 8 cards in the past 2 months and feel like pushing my luck with another card is just asking for AA from some other lender. Decisions, decisions. I'm not sure if I would be declined for the world mastercard anyway just based on my profile (not a full member).




Regular Contributor
Posts: 249
Registered: ‎12-24-2012
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Re: Does USAA Allow You to Upgrade Your Mastercard?


Johnny_Favorite wrote:

I just talked to a USAA rep. According to her, I do not qualify for the World Mastercard because I have to be PNC eligible (property and casualty insurance) which basically means I have to be a full member. So I have two options.

 

1. Have my step dad give me his information through the airforce so they can verify him as a USAA member and make me eligible for the upgrade.

 

2. Apply for the card I want and take the hard pull. Not sure I want 3 cards with them at this time, but it's an option. I have already been approved for 8 cards in the past 2 months and feel like pushing my luck with another card is just asking for AA from some other lender. Decisions, decisions. I'm not sure if I would be declined for the world mastercard anyway just based on my profile (not a full member).


That's too bad.  They are strange like that.

 

If you really want a World, I'd go option one.

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