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USAA-Partial Members Only

Valued Contributor

Re: USAA-Partial Members Only

I tried as a partial member but was denied due to the two baddies I have.

 

They pulled EQ for me which is the cleanest...will try them again next year when the two baddies fall off.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 21 of 34
Established Contributor

Re: USAA-Partial Members Only


awal wrote:

madmann26 wrote:

You cannot get thier secured card as a partial member. I emailed them about this 2 days ago and they responded with that I have to be a full member. FYI.


This must be a new policy. I have a secured USAA card & I'm a partial member. The card is about 10 months old. I dont have any other account or affiliation with them.

 


 

 

You could be one of the few that slipped through. They have admitted that some ppl do/did get past their requirements. Your acceptance is not the norm.

Message 22 of 34
Super Contributor

Re: USAA-Partial Members Only

Partial members get access to 3 credit cards....: 

 

USAA1.png

 

Whereas a Full Members gets access to...:

USAA2.jpg

 

Full members also get access to things like their P&C products, and as a partial member, nothing will ever show up in your "My Offers" tab with the exception of the generic mutual fund things. 

Message 23 of 34
Established Contributor

Re: USAA-Partial Members Only

I joined USAA as a partial member this past Spring, applied for their Mastercard in August and was instantly approved.

 

CL - $12,000

APR - 23.9% Smiley Surprised

Equifax pull, score = 730

 

I was surprised at the interest rate, but that's pretty typical for partial members.  No problem - I simply pay in full and use it to benefit utilization.  Also, as a partial member you are limited in the products/services you are eligible to receive.  I was interested in their auto loans a couple of months ago (currently advertised as 1.49%), but as a partial member I'm not eligible.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 24 of 34
Established Contributor

Re: USAA-Partial Members Only


TNTransplant wrote:

I joined USAA as a partial member this past Spring, applied for their Mastercard in August and was instantly approved.

 

CL - $12,000

APR - 23.9% Smiley Surprised

Equifax pull, score = 730

 

I was surprised at the interest rate, but that's pretty typical for partial members.  No problem - I simply pay in full and use it to benefit utilization.  Also, as a partial member you are limited in the products/services you are eligible to receive.  I was interested in their auto loans a couple of months ago (currently advertised as 1.49%), but as a partial member I'm not eligible.  


wow.. that is a great CL..congrats

Total Overall Credit Limit- $325k
Message 25 of 34
New Member

Re: USAA-Partial Members Only


Revelate wrote:

 


..snip..

 

Actually bahbahd, your parents are eligable as are you with a grandfather who served.  You may have to walk through a bit of process to establish it, but you can absolutely get full membership.  USAA isn't as challenging to obtain membership in as NFCU.

 

..snip..

 


 

This is news to me and is not consistent with the USAA website eligibility check.  According to the website, having a parent (or grandparent) who served doesn't qualify you for full membership - they must have actually used an insurance or loan product from USAA.  My father served, but at the time he served USAA was for officers only, and he was enlisted, so he never used any of there products.

 

Do you have information or evidence anecdotal or otherwise to substantiate your statement?  I'd be very interested to know.


Thanks

Message 26 of 34
Established Contributor

Re: USAA-Partial Members Only


dogmeat wrote:

Revelate wrote:

 


..snip..

 

Actually bahbahd, your parents are eligable as are you with a grandfather who served.  You may have to walk through a bit of process to establish it, but you can absolutely get full membership.  USAA isn't as challenging to obtain membership in as NFCU.

 

..snip..

 


 

This is news to me and is not consistent with the USAA website eligibility check.  According to the website, having a parent (or grandparent) who served doesn't qualify you for full membership - they must have actually used an insurance or loan product from USAA.  My father served, but at the time he served USAA was for officers only, and he was enlisted, so he never used any of there products.

 

Do you have information or evidence anecdotal or otherwise to substantiate your statement?  I'd be very interested to know.


Thanks


This aligns with what I have heard also, but I am not 100% sure of current policy.  

Message 27 of 34
Established Contributor

Re: USAA-Partial Members Only


bahbahd wrote:

dogmeat wrote:

Revelate wrote:

 


..snip..

 

Actually bahbahd, your parents are eligable as are you with a grandfather who served.  You may have to walk through a bit of process to establish it, but you can absolutely get full membership.  USAA isn't as challenging to obtain membership in as NFCU.

 

..snip..

 


 

This is news to me and is not consistent with the USAA website eligibility check.  According to the website, having a parent (or grandparent) who served doesn't qualify you for full membership - they must have actually used an insurance or loan product from USAA.  My father served, but at the time he served USAA was for officers only, and he was enlisted, so he never used any of there products.

 

Do you have information or evidence anecdotal or otherwise to substantiate your statement?  I'd be very interested to know.


Thanks


This aligns with what I have heard also, but I am not 100% sure of current policy.  


I agree.. if there is another confirmed way to full membership I would like to know..lol

 

Total Overall Credit Limit- $325k
Message 28 of 34
Established Contributor

Re: USAA-Partial Members Only

*Wonders why NFCU doesn't offer "partial" membership*

 

 

Guess cuz NFCU is a CU and USAA is (used to be) a Member Only bank.

 

Sucks :/

 

I want NFCU.

Message 29 of 34
Valued Contributor

Re: USAA-Partial Members Only


ccnewcc wrote:

*Wonders why NFCU doesn't offer "partial" membership*

 

 

Guess cuz NFCU is a CU and USAA is (used to be) a Member Only bank.

 

Sucks :/

 

I want NFCU.


I would love to know if there would be some specific way that we could join ???? 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 30 of 34