08-18-2012 09:13 PM
I did get an email from them like that but as a partial member I dont get anything under my offers :-(
This was under the standard featured offers, that used to list things for me like USAA CMS and the ubiquitous Car Buying Service and others.
I was a little surprised by this (actually somewhat shocked even) when I read the fine print that I'd just been completely ignoring. Out of curiosity what sort of accounts do you have with them as a partial member?
PNP: Limits > APR usually, and even 15 and change isn't bad compared to many other credit cards; however, it's not a great card to be carrying a balance on admittedly.
08-18-2012 10:47 PM - edited 08-18-2012 10:49 PM
Atm i just have checking. I opened in the hopes they'd eventually be like "thanks, have a $1,000,000 CL on this card, you're such a great customer!!!!!" xD
Any idea if they're softing your reports? In my case I have a secured CD loan through them which hit it's sixth payment, and recently re-established my auto insurance with them. I suppose either could've triggered it though they're not allowed to pull my credit for insurance I don't think in CA.
Leaning towards taking it after I get my car refinanced, want the tradeline eventually anyway, it's a way better forex card than I have currently which may come in handy really soon, and it's probably better to take the inquiry now with the throetical mortgage next summer than in December when I was originally planning a quick spree.
Edit: I see it's in another part of their site now too. I think this may have been triggered by something else rather than their email, especially if others aren't seeing the same. Now even when I log out there's a little "click me to accept offer!" panel in the bottom right of my browser, and I'm near 100% confident that hasn't been there previously.
08-18-2012 11:02 PM - edited 08-18-2012 11:04 PM
Edit: Whoops, hit "post" before I even typed anything
Def sounds like a pre-approval as opposed to a targeted offer /solicitation. When in doubt my motto is "call and ask!" I wish I was in your situation, I was mildly upset when I found out I couldn't get anything under "My Offers" on the website as a partial member D:
08-19-2012 06:34 AM
I'm happy someone brought this up. I too am a partial member and was thinking about apping for a USAA card because they offer really generous CL's. However, I'm concerned about the APR. I know they offer cards to full members with APR's as low as 5.9% but I think partial members APR's start as low 15.9% per the website. Can any half members confirm having APR's lower than 15.9% on your USAA CC accounts?
I am a partial member, and I have never seen anything under the My Offers tab. However, I went ahead and applied for the USAA Platinum Mastercard last month and was instantly approved with a CL of $12,000. I chose them because of their reported high initial CL, and it was true in my case - this was my first card with a 5-digit CL. I was also tempted by their 15.9% interest offer, but did not get it - rate is 20% variable! They pulled EQ, and my score was a 727. Not sure why I got the bad interest rate, but may have been due to overall utilization at just over 30%.
Oh well, I've got myself into the PIF mode now so the interest won't really be an issue. On a positive note, this card will help immensely with my overall utilization, and will hopefully prompt my other creditors to increase current limits.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.