Reply
Community Leader
Valued Contributor
user5387
Posts: 1,794
Registered: ‎07-01-2010
0

USAA MasterCard for non-military

I am a non-military USAA member, and a while back was approved for the MasterCard.

 

When I applied, I had high scores, and figured that I would get a low APR of around 12%.  However, I ended up with 18.9, and my further research indicates that this is a typical outcome for non-military members.

 

So I'm wondering what happens over the long haul.  If I maintain high scores, should I expect APR reductions, auto CLIs, or BT offers?  Or does everything pretty much stay the same?

 

The card is nicely integrated with the checking account, and is useful for overdraft protection and emergency no-fee cash advances.

 

But beyond that, I'm wondering how best to use the card.

 

Super Contributor
Ron1
Posts: 5,471
Registered: ‎05-23-2009
0

Re: USAA MasterCard for non-military

I don't think you cannot do too much for non-military USAA Mastercard.  I think 18.9% is the lowest you can get. It has no rewards. You may want to apply for a new diifferent type of card.

Regular Contributor
mahiven
Posts: 176
Registered: ‎04-19-2011
0

Re: USAA MasterCard for non-military

 

My wife's grandfather is a retired Navy commander, so we were able to become USAA members. Even with our crappy credit, they gave us a credit limit four times what our other cards would give us. On top of that, our APR is 14.9, which is low compared to the 19% everyone else gives us. On top of that, the rewards are really good. We've been blessed with them. We've called and asked for a CLI, but they said we need to bring our balance down. I asked them if they were the type to balance chase and they said no. Excellent customer service.



03/19/2011 EQ: 627 EX: 602 TU 590 (lender pull) 07/16/2011 EQ: 646 EX: 629 TU 647 Fell off the wagon in 2012. Starting over in 2013.Current Score: 01/07/2013 EQ: 646 EX: ??? TU 608 Goal Score: 700 club

Take the FICO Fitness Challenge
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: USAA MasterCard for non-military


user5387 wrote:

I am a non-military USAA member, and a while back was approved for the MasterCard.

 

When I applied, I had high scores, and figured that I would get a low APR of around 12%.  However, I ended up with 18.9, and my further research indicates that this is a typical outcome for non-military members.

 

So I'm wondering what happens over the long haul.  If I maintain high scores, should I expect APR reductions, auto CLIs, or BT offers?  Or does everything pretty much stay the same?

 

The card is nicely integrated with the checking account, and is useful for overdraft protection and emergency no-fee cash advances.

 

But beyond that, I'm wondering how best to use the card.


I'm guessing that the extension of partial membership to those without military ties is so new that there isn't a track record on this yet.

 

The rewards aren't much with USAA cards, other than as you say, a handy tie-in for your banking stuff. Traditionally, they've been generous with CL's (which can be looked at as a type of reward), but I don't know if that's true for non-military members. Again, it's probably too soon to know.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}