USAA Credit Limits - Full Member vs. Non Full Member

[Anonymous]

non full member - someone who on USAA's profile does not have military affilation. Products are limited.

[suebee123]

If your father is a full member, then you too should be able to join as a full member.  I joined in Jan 2012, full member, and both my daughters are now members thru me.   They both got credit cards in there own names with each a 3000 limit.  I got a World mastercard with 4000 limit and AMX with 1000 limit.  Just yesterday applied for a credit limit increase on the world mastercard and now my limit is 7000.  I will apply for a limit increase on the amx later this month.  When I opened the account my fico was 675, it is now 691. 

I do think in order for you to have insurance your father would have to get insurance, but I don't think it matters with credit cards. 

I say "go for it".

[rootpooty]

is your dad navy retired or just a navy vet?

[slarano]

I'm not a full member, don't know anyone personally who is, applied several months ago, instant approval for $8,300.

[Anonymous]

Full Member / Platinum MC / $3000 CL, recently auto-increased to $4200

I'd been a full member for 13 years when I applied, and I'd been using their insurance products for several years. I think this was helpful since I didn't have any other revolving credit when I applied.

[ZoomZoom22]

I am not a full member but I have car insurance 3 cars, USAA Amex (20k limit) and USAA MC (20k limit).

I was initially 2 years ago approved 10k/10k on those 2 cards and they both CLI about 8 months ago.

Even though I am not a full member I haven't been able to tell the difference or anything that I wanted that I couldn't get.

[amkari]

I have no personal military affiliation... my membership is under the Legacy program from my grandfather who was retired Navy.  I had asked last year at an air show if Legacy members received all the same benefits as active duty and was told yes so I'm assuming I'm a full member.

I had car insurance with them as a teen, left, then have come back as an adult because they were the cheapest thing going.

Now I have my checking, savings, Secured AMEX, car insurance, and renter's insurance through them.

[bamagirl1]

ZoomZoom22,

You said you weren't a full member but were able to get insurance?? I thought that only full members could get insurance or was it something else???  hmmm interesting..

[p-]

I'm a full member.  They started me at 3k on my Amex black and raised it at my request to 6k.

[Revelate]

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@bamagirl1 wrote:

ZoomZoom22,

You said you weren't a full member but were able to get insurance?? I thought that only full members could get insurance or was it something else???  hmmm interesting..

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You're right and the description in some posts is off.

If you have their car insurance, or even if you've ever been on a USAA insurance policy I think, you're a full member.