Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 274
Registered: ‎12-31-2008
0 Kudos

USAA dropped CC rate

Yay, so here's a happy story:


I got a letter in the mail from USAA dropping the rate of one of my cards from 9.9% to 8.9% - I believe they raised it two years ago after the credit crisis so they are bringing it back to where I was originally but still - good customer service from them!


My other card is at 7.75% but at least they are a bit closer now.  And of course, since I don't carry a balance, it's a moot point but it makes me feel good.


So hopefully some of you may also see this, or be able to use it to request a rate decrease if you need one.  My rate is now variable so be aware (prime + 5.65%) - I don't know if it was fixed before though so maybe they are just adjusting it with prime.



Current Scores: EQ: 740 (2/7/13)

Starting Score: 799
Current Score: 762
Goal Score: 800

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,065
Registered: ‎05-26-2010
0 Kudos

Re: USAA dropped CC rate

My rate was dropped to 9.9% on the secured card a few days ago.  It was originally stratospheric.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Valued Member
Posts: 47
Registered: ‎08-23-2010
0 Kudos

Re: USAA dropped CC rate

Same thing happened to me.  Got the letter that starting in April my USAA World MC will drop from 16.9% to 13.9%.  Still not as low as my USAA Amex, but still, 3% is 3%, even if you never carry a balance (which I don't; haven't paid intereste on a CC in over 7 years).


Smiley Happy

USAA World MasterCard - $14,500
American Express SPG - $20,000
NFCU CashRewards Visa Sig - $20,000
PenFed Platinum Rewards Visa - $5,000

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.