Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 55
Registered: ‎08-16-2011
0

usaa partial members not eligible for credit cards??

just got off the phone with a usaa rep, asking them about difference between full and partial members. she told me partial members are only eligible for checking/savings accounts and discounts on progressive insurance and some other small things, but no credit cards at all. how are all the partial members on this board getting credit cards then??



Starting Score: TU 639 EQ 638
Current Score: Walmart TU 635
Goal Score: 740+

Take the FICO Fitness Challenge





Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: usaa partial members not eligible for credit cards??

I think she was just misinformed. I've read lots of times here re: partial members able to get USAA's credit cards, and just got one myself as a partial member. The primary negative is that we aren't eligible for the really low interest rates available to the full members.

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

Super Contributor
Posts: 7,460
Registered: ‎12-11-2011
0

Re: usaa partial members not eligible for credit cards??

As a partial member you are definitely eligible for credit cards, just not all the good ones. When you look inside your account (if you are a member) it will only show you cards you are eligible for (i think there is 2 of 3), but if you're a full member there is like 9999 cards you can qualify for, that tend to have better APRs and limits. 

 

As a partial member you will also not get any pre-approvals under the "My Offers" page that the full members talk about here. 



Established Contributor
Posts: 937
Registered: ‎06-12-2012
0

Re: usaa partial members not eligible for credit cards??

You used to be able to open some cards but the ones like the AMEX cards were reserved for full members only. I believe the approvals & CL's were more lenient for full members too.

AMEX SPG $20K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $10k | | NASA Platinum-Advantage $10k | CapOne Quicksilver $10k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: usaa partial members not eligible for credit cards??

I know partial members can get credit cards unless policy changed recently.

               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor
Posts: 399
Registered: ‎04-30-2008
0

Re: usaa partial members not eligible for credit cards??

Without the risk of sealing this thread, will someone please explain what is the difference between a Full Member and Partial Member really is ???

Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: usaa partial members not eligible for credit cards??


Cleanmachine wrote:

Without the risk of sealing this thread, will someone please explain what is the difference between a Full Member and Partial Member really is ???


Full member needs to be somehow related to military (active duty, veteran, etc.).  Full members get access to USAA insurance (which is great) and full range of products.  Partial member is some random person joining with access to subset of products and services.

               LIMITS IN CARD DESCRIPTIONS
Contributor
Posts: 208
Registered: ‎05-28-2012
0

Re: usaa partial members not eligible for credit cards??

this topic has been documented on the board a bit here, but it seems full members have a full selection of card products, where as partial has 3 cards to select from.

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Frequent Contributor
Posts: 399
Registered: ‎04-30-2008
0

Re: usaa partial members not eligible for credit cards??

Thank you for the clarification.

 

However, "spartanspirit" indicated that  usaa rep, asking them about difference between full and partial members. she told me partial members are only eligible for checking/savings accounts and discounts on progressive insurance and some other small things, but no credit cards at all.

 

This is from USAA Web Site:

 

Who can become a member? 

 

Other Individuals

 

 

USAA's investment products, most checking and savings products, credit cards, life insurance, and shopping and discounts are available to other individuals.

 

It would appear to me that  "spartanspirit"  received bad information from USAA Represenative and if he is a "Partial" member he is eligible for the credit cards.

 

I suggest "spartanspirit" call back and speak with a supervisior.

Contributor
Posts: 99
Registered: ‎05-30-2012
0

Re: usaa partial members not eligible for credit cards??

Just my 2 cents in regards to my experience:

 

I have no direct affiliation to military.  What I do have is a mom who works for the DoD, however, when I app'd for a USAA card, they never asked for any of that information.

 

Anywho, I still managed to apply for & receive a USAA MC & it holds my 2nd highest credit limit.

 

Good luck to you!

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.

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

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.