topic Re: USAA Classic Platinum MasterCard? in Credit Card Applications

USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 15:28:35 GMT

I got an email that I was "pre-selected" to apply for the USAA Classic Platinum MasterCard. I was a USAA member a very long time ago, but didn't leave on the best of terms. I was under the impression you had to be a member to hold one of their cards. The email has my hackles raised a bit, although I did see recently USAA did a SP on my credit report. The email subject line was: Start improving your credit - here's how.

Is this a legit offer for rebuilding credit/credit card?

Re: USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 19:14:38 GMT

@Anonymous wrote:
I got an email that I was "pre-selected" to apply for the USAA Classic Platinum MasterCard. I was a USAA member a very long time ago, but didn't leave on the best of terms. I was under the impression you had to be a member to hold one of their cards. The email has my hackles raised a bit, although I did see recently USAA did a SP on my credit report. The email subject line was: Start improving your credit - here's how.

Is this a legit offer for rebuilding credit/credit card?

Have you contacted USAA? I would. There is so much Internet fraud out there that I would check to make sure it was a legitimate offer Know you said that the relationship did not end good, but you need to know this is real. if so, why not try again. USAA was the first to give me a $5K card, so they are okay in my book. Good luck OP.

Re: USAA Classic Platinum MasterCard?

gibeon — Tue, 01 Sep 2015 19:22:59 GMT

@Anonymous wrote:
I got an email that I was "pre-selected" to apply for the USAA Classic Platinum MasterCard. I was a USAA member a very long time ago, but didn't leave on the best of terms. I was under the impression you had to be a member to hold one of their cards. The email has my hackles raised a bit, although I did see recently USAA did a SP on my credit report. The email subject line was: Start improving your credit - here's how.

Is this a legit offer for rebuilding credit/credit card?

You might still be a member. I had a little falling out with them almost 5 years ago, and when I straightened out my CO's they reinstated my login access, and there were my savings and checking accounts with about 2 dollars each still sitting there.

Also, a week or two after settling the CO with them they approved me for the Classic Amex.

Re: USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 19:27:30 GMT

Good luck on restarting with USAA!

Re: USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 19:36:40 GMT

The COs are long gone, but I have no idea what my login was. It gave me a call in error when I tried to retrieve it. I'm not sure I want to dig up that can of worms!

Re: USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 20:40:34 GMT

@Anonymous wrote:
The COs are long gone, but I have no idea what my login was. It gave me a call in error when I tried to retrieve it. I'm not sure I want to dig up that can of worms!

Obviously your curiosity is piqued. However, you've got some good limits in your profile, so it's not as if you need USAA anymore, so I'd leave in the worms in the ground.

Re: USAA Classic Platinum MasterCard?

Anonymous — Tue, 01 Sep 2015 20:46:15 GMT

Yeah, I can't think they're going to offer anything stellar if it's got rebuilding plastered all over the offer. It might actually be time to trim some down, or at least sock drawer them until I have a more solid credit profile.

Re: USAA Classic Platinum MasterCard?

UncleB — Fri, 04 Sep 2015 04:56:56 GMT

If the email is 'legit', it will have a gray box in the upper right hand corner and in blue text it will say "USAA Security Zone", your full name (in my case, no initial or suffix), and the last four digits of your USAA member number.

If these are missing, it's fake. If these are present, (and the data is correct) it should be legit.

If you determine that the message is legitimate, it might be worth a phone call to reset your ID. If you were still on their "list" I seriously doubt you would have received the email at all... being a mostly online bank, they generally don't mess up something like that.

Re: USAA Classic Platinum MasterCard?

Anonymous — Fri, 04 Sep 2015 05:03:05 GMT

I just got approved for this exact card from them a week or two ago. No pre approved offers from them or anything. I've been a full member (I'm active duty) with them for a little over 3 years now, had a secured card with them for about the same length. I just recently closed it, apped for that classic card, and instantly approved for 2k limit. The apr is high, my credit is fair, but I don't necessarily think this is a rebuilding card with them. That's what they have their secured cards for. Plus it's my understanding that this classic gets periodically reviewed to be automatically upgraded to a higher tiered card with them. That's all this classic is, is just a lower tiered card they offer.

It's "higher" than their secured accounts, but yet not as fancy as their world cards.

Re: USAA Classic Platinum MasterCard?

Anonymous — Fri, 04 Sep 2015 05:08:04 GMT

@Anonymous wrote:
I just got approved for this exact card from them a week or two ago. No pre approved offers from them or anything. I've been a full member (I'm active duty) with them for a little over 3 years now, had a secured card with them for about the same length. I just recently closed it, apped for that classic card, and instantly approved for 2k limit. The apr is high, my credit is fair, but I don't necessarily think this is a rebuilding card with them. That's what they have their secured cards for. Plus it's my understanding that this classic gets periodically reviewed to be automatically upgraded to a higher tiered card with them. That's all this classic is, is just a lower tiered card they offer.

It's "higher" than their secured accounts, but yet not as fancy as their world cards.

Ditto. I cold app'd for the Classic Amex. It's a rebuilder that has the ability to be upgraded to the World Cards. High APR, no BT, no Cash Advance. That's ok, I have Cap1 for BT and I don't plan on carrying balances and avoid cash advance like the plague. It's an in with USAA that I desperately wanted for the long haul.

Cool thing is, if you use USAA checking, payments to the card are lightening fast.

Re: USAA Classic Platinum MasterCard?

UncleB — Fri, 04 Sep 2015 05:15:45 GMT

@Anonymous wrote:
@Anonymous wrote:
I just got approved for this exact card from them a week or two ago. No pre approved offers from them or anything. I've been a full member (I'm active duty) with them for a little over 3 years now, had a secured card with them for about the same length. I just recently closed it, apped for that classic card, and instantly approved for 2k limit. The apr is high, my credit is fair, but I don't necessarily think this is a rebuilding card with them. That's what they have their secured cards for. Plus it's my understanding that this classic gets periodically reviewed to be automatically upgraded to a higher tiered card with them. That's all this classic is, is just a lower tiered card they offer.

It's "higher" than their secured accounts, but yet not as fancy as their world cards.
Ditto. I cold app'd for the Classic Amex. It's a rebuilder that has the ability to be upgraded to the World Cards. High APR, no BT, no Cash Advance. That's ok, I have Cap1 for BT and I don't plan on carrying balances and avoid cash advance like the plague. It's an in with USAA that I desperately wanted for the long haul.

Cool thing is, if you use USAA checking, payments to the card are lightening fast.

+1 on all of the above!

And yep, the payments from a USAA checking are smoking fast... I refreshed the screen on my last payment and it was not reflected, but I spent 30-45 seconds looking over my checking, then I went back to the credit card and the payment was reflected, both in the ledger balance and the available credit as well.

Not "instant", but darn near close (less than 60 seconds for me).

Re: USAA Classic Platinum MasterCard?

Anonymous — Fri, 04 Sep 2015 05:29:00 GMT

Yeah, that's a good idea with an Amex. Kind of wish I would've did that actually. I'd really like to have an Amex to have a good selection of cards in my wallet. I just recently was denied for the Amex everyday card.
Had a used my brain, I'd had apped for the usaa Amex, not Mc.

I do agree with the checking. I use usaa for checking as well as my credit card. High apr on it or not, Ive always enjoyed usaa. That alone is enough to justify to myself in keeping alot of my accounts with them.

That secured card I had with them set me up for success. Now hopefully this new classic card will launch me in to their "world" cards lineup eventually.

Re: USAA Classic Platinum MasterCard?

UncleB — Fri, 04 Sep 2015 05:34:07 GMT

Just a note to add if you're looking for "Premium Perks", you might want to avoid the Visa.

As far as I know, USAA doesn't offer a Signature Visa at all, regardless of how high your credit line is. It's not that big a deal to me (I have a Cap One Visa Sig and have never used the 'perks') but to some folks it might make a difference.