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New Member
Chunhom59
Posts: 6
Registered: ‎12-29-2012
0

I'm new to here, please advice

Is USAA a good company? I want to apply for a USAA Platinum Visa, any suggestion about this card? 

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: I'm new to here, please advice

USAA is a great company.  It's more like a Credit Union than a bank because it's ultimately member owned through it's auto insurance cooperative.

 

Full members who qualify by military service or that of family members do best, and if you qualify it might be worth looking at their insurance as well.

 

They can be conservative lenders, if you qualify you might also want to look at NFCU.  I use and recommend both.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Contributor
lylesvegas
Posts: 92
Registered: ‎11-21-2012
0

Re: I'm new to here, please advice

I personally do not have one but they are one of the best!!!!! You should app for sure..

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New Member
Chunhom59
Posts: 6
Registered: ‎12-29-2012
0

Re: I'm new to here, please advice

How do I apply for NFCU? I went to their wesite and I clicked apply, but it asked for an access number.   I just applied to a USAA Platinum Visa and I got 8500$ cl!!!!   Thanks for your advice. 

Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: I'm new to here, please advice


Chunhom59 wrote:

How do I apply for NFCU? I went to their wesite and I clicked apply, but it asked for an access number.   I just applied to a USAA Platinum Visa and I got 8500$ cl!!!!   Thanks for your advice. 


Wait, I thought you had to be a full member to app for a USAA credit card.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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New Member
Chunhom59
Posts: 6
Registered: ‎12-29-2012
0

Re: I'm new to here, please advice

I don't know. My husband was in the military before.  I went there and applied for it. They instantly approved 8500$  My credit score is 720 and my income 41k.  

Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: I'm new to here, please advice

Sweet deal. Congrats to you!! That's a great limit.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
New Member
Chunhom59
Posts: 6
Registered: ‎12-29-2012
0

Re: I'm new to here, please advice

Thank you.  This is my first credit card, I don't really know about credit card companies. I've been in the US since 2006 and I have only one joint credit credit card with my husband because I couldn't get my own credit card at that time. Now, I want to have my own credit card, so I am jumpping around and trying to do a little research. 


Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: I'm new to here, please advice

USAA asks members for information on their families to make it easier for family members to join.  Since your husband is already a full member you are also a full member.

 

NFCU's rules are a bit different.  USAA offers membership to anyone who served and received an honorable discharge.  NFCU offers membership to active, reserve, retired and diabled service memebrs - basically the service member needs to join while in the service, or be receiving (or entitled to) a pension for retireent or disability from their service.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
New Member
Chunhom59
Posts: 6
Registered: ‎12-29-2012
0

Re: I'm new to here, please advice

Thank you so much!!!  Yes, my husband has been a USAA member a long time ago. I guess,  I will not qualify for NFCU because my husband never a member of NFCU when he was in military. He served for 11 years and resigned.  What is other best credit union company? 


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