Credit Cards Center Credit cards from our partners
Reply
New Member
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
Posts: 1,063
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
Take the FICO Fitness Challenge
Contributor
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..

Amex BCE...Amex ED...Barclay WMC...Priceline Rewards Visa...Cap One Venture...Total Rewards Visa...Wells Fargo Visa...Discover IT...Pay Pal Smart Connect...Overstock Store Card...Lowe's Store Card


New Member
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
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


Take the FICO Fitness Challenge
New Member
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
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
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
Posts: 1,063
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
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? 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.