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Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

USAA quick question

got this message when i joined online:

 

Thanks — and welcome to USAA.

Based on the information you provided, you are not currently eligible for USAA property insurance. You can however take advantage of USAA banking, investments and discounts through usaa.com. You will receive a confirmation email shortly.

 

 

Does this mean I am not a "full member" and I wont get the perks? It only asked if I was in the military, or if my parents were in the military, which they are not and I am not. My grandparents were and my cousins are.

 

If I am not a full member, is this still a good bank to do business with or are there not really perks that are as good as NFCU?

 

Any ideas? Thank you.


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Frequent Contributor
E150GT
Posts: 371
Registered: ‎12-30-2012
0

Re: USAA quick question

your parets would have to have USAA due to your grandparents and then you could be a full member. Thats how I am a full member. They are stil a great company and you will like them even though you are not a full member. 


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
0

Re: USAA quick question

USAA is a great bank to do business with full member or not.  Their customer service is second to none.

Contributor
PSouz
Posts: 214
Registered: ‎03-25-2013
0

Re: USAA quick question

[ Edited ]

if your parents are a usaa member from your grandparents you can become a member through your parents even though your parents werent in the military

 

-edit, looks like someone beat me to it haha








Amex BCE $14k (backdated to 1/11), Chase Freedom $500 (11/2012)
Discover It Student $3k (3/13), Citi Dividend Platinum Visa $3k (3/13)
Capital One Cash Rewards Visa $3.5k (3/13)
Starting Score 3/20/13 - TransUnion FICO 758 - Goal Score 800
Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: USAA quick question

thank you everyone...

 

From what Ive read, the credit cards have decent rates, but the rewards arent that great.

 

Do you recommend any of their products over NFCU?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Moderator
Revelate
Posts: 8,896
Registered: ‎12-30-2011
0

Re: USAA quick question


dddfresh wrote:

thank you everyone...

 

From what Ive read, the credit cards have decent rates, but the rewards arent that great.

 

Do you recommend any of their products over NFCU?


Rate advantage CC maybe.  Beyond that I'm struggling to think of one.  My USAA card doesn't get much love, come to think of it I should trot it out since my Freedom has been dropped into limbo status.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Contributor
solxp
Posts: 93
Registered: ‎12-16-2012
0

Re: USAA quick question

[ Edited ]

dddfresh wrote:

got this message when i joined online:

 

Thanks — and welcome to USAA.

Based on the information you provided, you are not currently eligible for USAA property insurance. You can however take advantage of USAA banking, investments and discounts through usaa.com. You will receive a confirmation email shortly.

 

 

Does this mean I am not a "full member" and I wont get the perks? It only asked if I was in the military, or if my parents were in the military, which they are not and I am not. My grandparents were and my cousins are.

 

If I am not a full member, is this still a good bank to do business with or are there not really perks that are as good as NFCU?

 

Any ideas? Thank you.


If your grandparents are still alive they could join if they have not already. Then if one of your parents joined thru them you would be eligible. You should have them look into it as there insurance products are hard to beat. 


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