We are full members. My husbands grandfather got his mother in, and although she did not establish any accounts she had a member #, and thus if the chain of custody is there, you can get in. I am confused as to how you would get a random offer for credit if you did not have a member # yet, I have not read before about anyone getting a PreQualification that is not tailored to a member. It will show up in your acocunts page under My Offers in the online database. Very strange, anyway, Yes their Pre Q is a near 100% approval. I have read that here and on other boards.
When you app, app for two cards(say your prequal is for a visa, do that and pick out say amex or mc and app for that too) even of the preapproval only is for the one, they will give you two apps for 1 HP, and they like to spread their exposure over several cards rather than just one. their max exposure is 50 K PP. And, each time you do a CLI they will give you two clis for 1 HP. CLI @ 6 Mo intervals give or take 6 months of statements, and you can do it from the phone app. they have deposit by mobile and deposit by home, its really well rounded.
They do almost nothing in paper form. Their online website interface is the best I have ever ever used. Every member you are associated with is tied to your account, and thus all of it is relative and accessable for usaa customer service.
I have a 9 YO BK, they gave me 2 cards starting line 7K recently hit my CLI button and they went to 11K each. They do lead the pack for sure. NFCU is pretty exclusive, they have so many requirements for membership its unreal. USAA is a bit better for that, in that you just need an established relative to get in.
Also Our insurance rates are the best we have ever had with them. We have a 1996 F350 with 150K miles on it, and we have full boat insurance, I mean everything down to the rental car reimbursement, for two drivers, 1M/1M -for 85$ a month. AAA had us at 15/30 for 200$ mo on the same vehicle. VAST difference.
So good luck
