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

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

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Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010

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
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Valued Member
Posts: 46
Registered: ‎08-23-2010

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).



Equifax FICO: 811 on 5/3/2013
USAA World MasterCard - $8,000
American Express SPG - $15,000
NFCU CashRewards Visa Sig - $15,000
PenFed Platinum Rewards Visa - $5,000

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