Re: USAA-Partial Members Only

princechristian · ‎07-20-2012

Already in progress! Thanks again!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

kimmiller112 · ‎04-09-2012

I am a partial member and I have a platinum mastercard with a $4000 CL. My credit score was around 690 when I applied. It is about 4 months old.

6/13/13: TU 688, EQ 675, EX 703, USAA FAKO 723 for all 3 - Goal: 760
Barclays USAir $5800 - USAA $4000 - PayPal Extras MC (GE) $3000 - B of A 123 $1500 - Discover More $1000 - Chase Freedom $1000 - Kay Jewelers $7600 - Ashley Homestore (GE) $4000 - Tempurpedic (WF) $3600 - Walmart (GE) $3300 - Belk (GE) $2500 - Macys $2000 - Amazon (GE) $1500 - Victoria Secret (Comenity) $450 - Banana Republic (GE) $850 - TJMaxx (GE) $600 - Capital One $7000 (business) - Staples (Citi) $2000 (business)

WhiteCollar · ‎04-07-2012

What APR's did you guys receive?

namvet · ‎09-22-2011

princechristian wrote:
nicholasyud wrote:
Mellon wrote:
For the partial members... have you been approved for any of their credit products, if so what card, credit score and CL? I already know they are more lenient with FULL members but I want to hear from the partial members and their credit experiences. Thanks!!
Partial member.
Usaa reward Mastercard
675 Fico score.
$4000 start out limit
my highest limit is my lovely Crappy One $500. Now they had been place in sockdraw ** what in my wallet ***
Which bureau did they pull from? Thanks.

USAA pulled EQ for me (Texas).

Revelate · ‎12-30-2011

Mellon wrote:
bahbahd wrote:
What is a partial member? I am not a member at all and thought I would not be able to become one. My grandfathers and uncle both served in WWII and Vietnam, but no one immediately in my family. AFAIK my parents are not qualified to be members.
Any one can join USAA.. bu they have membership designations. Full members are those who serve or have eligibility for their insurance products. if not you are a partial member. A partial member have limited credit card options and may not get the rates and CL of full members

Actually bahbahd, your parents are eligable as are you with a grandfather who served. You may have to walk through a bit of process to establish it, but you can absolutely get full membership. USAA isn't as challenging to obtain membership in as NFCU.

AFAIK partial vs. full: the underwriting criteria is identical; however, USAA may (anecdotally of course) be more generous with limits with full members which is incredibly hard to determine as everyone's credit and financial profiles are different. Also as a partial member, there are some products which you cannot qualify for (secured cards, not sure why on that one, also the Amex, perhaps a few others), but otherwise things are the same to my knowledge.

USAA pulls EQ all the time, every time. Military service oriented organization, and the bulk of their clientele at least were on the East coast back in the day, so that regional affiliation applies to them. Probably will change in the future I'd guess, but for now they've stayed consistently with EQ.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)

Take the FICO Fitness Challenge

madmann26 · ‎08-30-2012

You cannot get thier secured card as a partial member. I emailed them about this 2 days ago and they responded with that I have to be a full member. FYI.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 642 EQ 658 FICO 5/13/2013 EXP 657
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC; Chase Freedom $500
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey

mum4519 · ‎08-05-2012

So being I have never served, I can still become a partial member? Do you have to open some sort of account to be a partial member?

Also, I see they have a lot of CCs. What card would anyone recommend for me as a decent card? My FICO is right around 690.

Thanks all!

Wells Fargo Rewards ($5,800) / AMEX BCE ($5,000) / University of Nebraska FCU ($3,000) / AMEX Blue Sky ($3,000) AU / Discover More ($3,000) AU / Chase Freedom ($3,000) AU / Barclay's Apple VISA ($2,000) / Capital One Green Cash ($1,000) / Chase Amazon VISA ($700) / Cabela's VISA ($700) / WalMart Store Card ($500)

nicholasyud · ‎08-13-2012

To white collar: I get the maximum APR 25.9 % for purchase but PIF anyway so it dont matter.....also they offer %0 APR balance transfer and convinence check........for 1 years.

WhiteCollar · ‎04-07-2012

Thanks - nicholasyud

awal · ‎10-25-2010

madmann26 wrote:
You cannot get thier secured card as a partial member. I emailed them about this 2 days ago and they responded with that I have to be a full member. FYI.

This must be a new policy. I have a secured USAA card & I'm a partial member. The card is about 10 months old. I dont have any other account or affiliation with them.