topic Re: For those who couldn't get into USAA in Credit Cards

For those who couldn't get into USAA

Anonymous — Sat, 09 Aug 2008 16:21:52 GMT

Just FYI... I know some people have posted here about "missing the window" for USAA eligibility, and therefore losing out on their credit card products.

As of today, they have a much wider window of eligibility, including ANY retiree of the military, discharged after 1996, or widows of military.

Link: https://www.usaa.com/inet/ent_utils/McStaticPages?key=2008_08_CEO_Share&order=1,7000&offerName=pubHomeBnr1_eligibility08

Re: For those who couldn't get into USAA

Anonymous — Sat, 09 Aug 2008 17:43:13 GMT

That's good to know. Thanks for posting! It doesn't help me get in, but it probably will others.

I'll stick with NFCU for now!

Re: For those who couldn't get into USAA

Anonymous — Sat, 09 Aug 2008 21:32:53 GMT

That makes me eligible -

Re: For those who couldn't get into USAA

dilligaf_racing — Sat, 09 Aug 2008 23:19:19 GMT

What is required to get in? I have had USAA car insurance for the last nine years. I was not in the military, but my father and grandfather both were and they have USAA as well.

Re: For those who couldn't get into USAA

haulingthescoreup — Sat, 09 Aug 2008 23:36:13 GMT

If you've had insurance, that might be enough. Just call and ask --they're very helpful.

Who is Eligible?

Membership is open to:

* Children of USAA members.
* Active-duty officers and enlisted personnel.
* National Guard and Selected Reserve officers and enlisted personnel.
* Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
* Former military personnel:
o Retired officers and enlisted personnel.
o Former officers and enlisted personnel who separated on or after 01/01/1996.
* Former USAA members who had auto or property insurance.

1-800-531-6597
Hours of Operation
Monday - Friday 7:30 a.m. to 7:00 p.m.
Saturday 9:00 a.m. to 4:00 p.m.
Sunday 9:00 a.m. to 4:00 p.m.

Re: For those who couldn't get into USAA

jaxstraw — Sun, 10 Aug 2008 00:33:26 GMT

If your father is a member you can become a member. No question.

My grandfather was a retired Major (career Army), and my mother lived and went to Army base schools worldwide.

When I came to this forum and first heard of USAA I called her because she always told me that's who her insurance was through.

Got her info and joined, ten minutes later I had two instant online approvals for an AMEX and MC at 15k each.

Since then I have auto insurance, checking and savings, small mutual fund, a CD,5k loan, and have gotten my wife in. I even bought her engagement ring through their jewelry store.

Call your Dad AND JOIN NOW.

Jax

Re: For those who couldn't get into USAA

NikJ4 — Thu, 14 Aug 2008 22:59:47 GMT

yeah, USAA is super excited about this as well. Min Cred score is 630.

Re: For those who couldn't get into USAA

creditgirl — Thu, 14 Aug 2008 23:16:37 GMT

Do you know who they pull scores from?

Thanks!

Re: For those who couldn't get into USAA

NikJ4 — Thu, 14 Aug 2008 23:37:46 GMT

i dont but i will look and see if i can find out.

Re: For those who couldn't get into USAA

jaxstraw — Fri, 15 Aug 2008 00:32:53 GMT

Equifax only I thought.

Jax
App free for 4 days since 3rd NASA denial.

Re: For those who couldn't get into USAA

haulingthescoreup — Fri, 15 Aug 2008 01:29:09 GMT

EQ was pulled for my HELOC and my daughters' CC's, but others have sworn that they were pulling EX. This was in winter or early spring, I think.

Re: For those who couldn't get into USAA

Anonymous — Sat, 16 Aug 2008 02:27:27 GMT

EQ pulls.

Re: For those who couldn't get into USAA

sassyat38 — Sat, 23 Aug 2008 12:23:55 GMT

They told me they pull from Equifax, I asked. I took the chance of applying for a credit card. Last year this time my scores were like 530's for all three. I started working relentlessly to rebuild my credit paying everything off, and making sure everything was paid on time, i.e. student loans, car payments, etc. There were things on my cr that shouldn't have been there or should have been deleted and I disputed to have them removed. My credit scores are now 698 EQ, 677 EX and 655 TU.

I applied for the card knowing I would be denied. My Fico stated that I needed to show some sort of revolving credit and this would overall improve my scores more. I applied and was amazed, astonished that I was approved for 10K. My EQ did take a dive from 698 to 698. My question: Eventually will my score go back up?

I am proud of myself, and promise that I will honor my credit!

Re: For those who couldn't get into USAA

smallfry — Sat, 23 Aug 2008 12:29:25 GMT

From what I have heard they do not treat non military the same as military. Rewards structure and CLI on cards. You might want to look at that if you are considering this CU.

Re: For those who couldn't get into USAA

jaxstraw — Sat, 23 Aug 2008 12:41:07 GMT

I agree with the way they treat military to non-military but they're not a CU.
They are easily mistaken because of their eligibility requirements. They operate like a CU also in many cases too.

Jax
App free for 13 days since 3rd NASA denial.

Re: For those who couldn't get into USAA

bubbles0605 — Sat, 23 Aug 2008 12:57:19 GMT

What is USAA?

Re: For those who couldn't get into USAA

smallfry — Sat, 23 Aug 2008 13:40:47 GMT

@jaxstraw wrote:
I agree with the way they treat military to non-military but they're not a CU.
They are easily mistaken because of their eligibility requirements. They operate like a CU also in many cases too.

Jax
App free for 13 days since 3rd NASA denial.

Thanks jax.

Re: For those who couldn't get into USAA

jaxstraw — Sat, 23 Aug 2008 14:16:54 GMT

USAA is a bank that was originally formed to service just officers of the US Army. Over the years that has changed to extend out to their immediate families, retired military,active military, etc.
They have changed or tweaked their eligibility at various times but some connection to the military is generally required.
Many on this forum like them (myself included) , others don't for various reasons.
They often get mistaken for a CU because they operate in a very similar way, more so than a traditional bank.

Jax
App free for 13 days since 3rd NASA denial.

Re: For those who couldn't get into USAA

haulingthescoreup — Sat, 23 Aug 2008 14:44:19 GMT

@smallfry wrote:
From what I have heard they do not treat non military the same as military. Rewards structure and CLI on cards. You might want to look at that if you are considering this CU.

I hadn't heard this before. What do they do differently? And is it current active duty vs everything else, or active and former military vs everything else, or what exactly?

According to them, I've been a member for 29 years, which means since I was 24 or so and no longer a dependent. But I would have been on my dad's auto insurance, and he had been active duty, so if I'm in some sort of category, I have no clue what it might be, lol.

Re: For those who couldn't get into USAA

smallfry — Sat, 23 Aug 2008 15:05:00 GMT

@haulingthescoreup wrote:
@smallfry wrote:
From what I have heard they do not treat non military the same as military. Rewards structure and CLI on cards. You might want to look at that if you are considering this CU.

I hadn't heard this before. What do they do differently? And is it current active duty vs everything else, or active and former military vs everything else, or what exactly?

According to them, I've been a member for 29 years, which means since I was 24 or so and no longer a dependent. But I would have been on my dad's auto insurance, and he had been active duty, so if I'm in some sort of category, I have no clue what it might be, lol.

There is an entire thread over at CB on USAA.