It's been 20 months since I have had the USAA CLassic Platinum with a CL of $1000 and AF of $39. Was told that the card would graduate at 12 months to a regular MC.
Hasn't happened. I have called 4 times, escalated to their 'executive' office and was told that the accoutn is reviewed periodically and the system offers this change. Thney can't do a manual overide. Even the EO told me that.
My AF is due in September and I cant seem to be able to get this card converted. So far USAA has lost my car loan since they didn't want to refi me last year to a lower rate, went and got a 1.49% APR refi elsewhere (I was at 4.99 with them).
I did a last ditch effort today to try to save this card but it seems like it's going to end up being closed end of August. What a shame, I really had hope with USAA.
Wow! I usually dont hear horror stories about USAA. But this is a bit alarming since a lot of members want to apply for a USAA card. Sorry to hear that they wont work with you 
Sorry to hear. How are you using the card op?
That's a shame
I'm not too surprised about the loan interest rate. USAA loan interest rates aren't all that competitive; their credit card interest rates are, but only if you are a full member.
A while ago USAA slashed my Master Card's limit from $5,000 to $1,500 (NEVER late, no judgements, collections, NO significant "baddies" on my credit profile); the sad part is I paid it down from $4,400 to $1,500 THEN they slashed it 
Now I'm waiting for it to go back up... its a sad day when your Cap1 credit limit has a higher limit... ahah
I've tried with USAA's EO.. they're basically useless and don't do anything. No discretion anywhere. I don't know what has happened to them lately, but they are righlt along side Chase and Bank of America as far as I'm concerned. I have them for my auto insurance because they do have the best rate.. but other than that, they're dead to me.
@chnceit wrote:Wow! I usually dont hear horror stories about USAA. But this is a bit alarming since a lot of members want to apply for a USAA card. Sorry to hear that they wont work with you
You must not get around much. Don't know why people defend USAA like there is no tomorrow. I have been with USAA for longer than I can remember, and I have witnessed the decline of what was and what use to be USAA.
Now USAA is just another company. Nothing special.
@djc1puno wrote:
Sorry to hear. How are you using the card op?
I have an auto insurance paid on it every month then it's PIF before the statement. Never late.
@Volpes wrote:That's a shame
I'm not too surprised about the loan interest rate. USAA loan interest rates aren't all that competitive; their credit card interest rates are, but only if you are a full member.
A while ago USAA slashed my Master Card's limit from $5,000 to $1,500 (NEVER late, no judgements, collections, NO significant "baddies" on my credit profile); the sad part is I paid it down from $4,400 to $1,500 THEN they slashed it
I'm a full member but they did not want to touch the APR on my car loan. And it's true my Cap One is at $5000 