HA! I just finished a post in the Garden thread about considering getting rid of my USAA card if they don't unsecure it. I'm not contributing any more to raise the limit on it and, despite the low 9.9% APR, I need a higher limit if I am going to occasionally carry a balance on it and not kill my utilization.
I really like USAA. I have a checking, savings, CD, and the CC with them, plus DH and I have auto and property insurance also. I want to have an ongoing relationship with them and was considering getting an auto loan with them and using their car buying service next year. They have nice membership benefits including car rental discounts, etc. I have never had an impolite CSR with them, ever.
When it comes to getting a better CC, I suspect they are simply not BK friendly. My scores are decent, but my BK has not fallen off and will not until 2018. Since I now have higher limits that have started to report, I will check with them one more time in a few months and request an unsecured card. If not, then I will close it and focus elsewhere.
@silverzgirl wrote:I am a full member, baddies 4 years old with no collections or judgments, the only other issue is high ute which is being chipped away at. I have savings, checking, IRA, homeowners insurance and car insurance with them.
Denied. I got offered a 16 percent on a car refi and a secured card. They dropped the car loan to 11-12, but I was at 9.9. My main CU refied for 7 so I took that.
I am about to dropkick USAA for everything except the minimum in savings, once I find better insurance. I was going to move money to NFCU but don't want a hard pull for opening checking.
I'm not sure, but I wouldn't think that you, being a NFCU member already, would incur a HP for a checking account.
I opened my checking account the same day I became a member, which of course was a HP on TU for membership. So I can't tell you for sure, but it doesn't seem like it would be a HP for you.
But then again...it is NFCU. So you and I just got a HP for even mentioning their name haha 
ETA: Would you like to be our guinea pig and let us know for sure?
@ccnewcc wrote:
@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.
Completely agree. They got a CC SD'd and lost 2 auto loans from me, not to mention 3 insurance products!
Starting Score: 573
@ccnewcc wrote:
@silverzgirl wrote:I am a full member, baddies 4 years old with no collections or judgments, the only other issue is high ute which is being chipped away at. I have savings, checking, IRA, homeowners insurance and car insurance with them.
Denied. I got offered a 16 percent on a car refi and a secured card. They dropped the car loan to 11-12, but I was at 9.9. My main CU refied for 7 so I took that.
I am about to dropkick USAA for everything except the minimum in savings, once I find better insurance. I was going to move money to NFCU but don't want a hard pull for opening checking.
I'm not sure, but I wouldn't think that you, being a NFCU member already, would incur a HP for a checking account.
I opened my checking account the same day I became a member, which of course was a HP on TU for membership. So I can't tell you for sure, but it doesn't seem like it would be a HP for you.
But then again...it is NFCU. So you and I just got a HP for even mentioning their name haha
ETA: Would you like to be our guinea pig and let us know for sure?
Nah, it will kill my silver spade...coming up this weekend lol. I tried and it asked for my SSN which is usually a clue by four upside the head that it will be a HP.
@silvergirlz
Your spade will be safe as long as the HP is for opening a checking/savings acct only. No new TL or possibility of a TL.
Your spade will be safe as long as the HP is for opening a checking/savings acct only. No new TL or possibility of a TL.
