My credit score is pretty low;however, my husband is a vet so I asked if he would sign up for USAA. Well, I wanted a AMEX secured, but for wanted the MC. I received a secured card with the CD! It's my first secured card. I am saving up to apply for the Secured AMEX with $1500.00. This is a great start in the right direction.
I have a secured CC with them and Friday applied for an unsecured line and was given a 5500 CL with a 670 EQ with 3 INQs on my EQ file. I believe the 2 years of having their secured product with perfect payment history helped a lot and later this month I will receive my deposit back plus interest
So yes, their product is great! Helped me so much