topic Re: Will usaa open the doors? in Credit Cards

Will usaa open the doors?

kugel — Fri, 21 Apr 2017 15:14:15 GMT

Any chance it will happen that usaa will open the doors ?

Re: Will usaa open the doors?

Anonymous — Fri, 21 Apr 2017 15:22:31 GMT

What are you referring to?

I joined USAA back in I think 2010. This was when their banking products was open to anyone. They changed their minds a couple times but they haven't allowed non eligible members to sign up for a few years now. However, they won't let me sign up for a credit card with them. I'd love to get a USAA card.

Re: Will usaa open the doors?

Anonymous — Fri, 21 Apr 2017 15:25:15 GMT

It's hard to say. They've done it before. If I had to answer I would say not anytime soon. I just don't think they need to.

Re: Will usaa open the doors?

creditfan — Fri, 21 Apr 2017 22:24:37 GMT

@Anonymous wrote:
What are you referring to?

I joined USAA back in I think 2010. This was when their banking products was open to anyone. They changed their minds a couple times but they haven't allowed non eligible members to sign up for a few years now. However, they won't let me sign up for a credit card with them. I'd love to get a USAA card.

why yours so different than mine. I'm also a partial member and joined it back 2013 before it closes the door, I am able to apply all credit cards even the newest limitless card

Re: Will usaa open the doors?

heyryan — Fri, 21 Apr 2017 22:58:17 GMT

@creditfan wrote:
@Anonymous wrote:
What are you referring to?

I joined USAA back in I think 2010. This was when their banking products was open to anyone. They changed their minds a couple times but they haven't allowed non eligible members to sign up for a few years now. However, they won't let me sign up for a credit card with them. I'd love to get a USAA card.
why yours so different than mine. I'm also a partial member and joined it back 2013 before it closes the door, I am able to apply all credit cards even the newest limitless card

USAA doesn't allow partial members to get credit cards anymore. I've been a member since around 2000, and for several years I had the ability to apply for a card, but now it says I can't because of eligibility requirements. (I've called a couple of times to verify this was the case)

Figures - now that I've gotten my credit all cleaned up and they WOULD give me a card, I can't get it

Re: Will usaa open the doors?

Anonymous — Sat, 22 Apr 2017 16:11:33 GMT

The one thing I find in reading posts on USAA, the greater share of posters have not been able to get USAA to flex up on things like p/c'ing between credit cards, CL combinations, reducing Aprs and so on. The odds of them opening back up to the external world (general public) is likely not. They have focused tightly on the Military Bank aspect and essentially have since 1922 except for that one time around 2013. ~~In fact, they focused only on Military Officers until September 2009 when they opened up to allow for Enlisted Personnel Active, Retired and Honorably Discharged~~ (Not correct).

Re: Will usaa open the doors?

empiror22 — Sat, 22 Apr 2017 16:02:33 GMT

In reference to dinosaur's post, what does "focused only on military officers until September 2009" mean?
I have been with USAA since my enlisted days in April 2006 have had all the same products I have now in some form or another ( savings, checking , credit, insurance, investment)

Re: Will usaa open the doors?

Anonymous — Sat, 22 Apr 2017 16:17:37 GMT

@empiror22 wrote:
In reference to dinosaur's post, what does "focused only on military officers until September 2009" mean?
I have been with USAA since my enlisted days in April 2006 have had all the same products I have now in some form or another ( savings, checking , credit, insurance, investment)

Glad you flagged my post. Somewhere in my researching the history of USAA Membership requirements I must not have been clear on Officers and Enlisted Personnel being able to join. Cannot find where I thought I read that! Thanks for bringing this point out!!! The post should have read and this is a direct quote from the USAA Bank website: "1996 Jan. 1: First enlisted personnel gain eligibility and become USAA members."

Re: Will usaa open the doors?

Anonymous — Sat, 22 Apr 2017 17:35:31 GMT

I feel like they should loosen up a little bit. For example, an active service or Veteran should be allowed to have their family and friends join.

Re: Will usaa open the doors?

empiror22 — Sat, 22 Apr 2017 19:49:20 GMT

Thanks Dino, that timeline makes more sense. I was thinking it was on the mid 90's when they opened it up. Again thanks for the update and clarification.

Re: Will usaa open the doors?

Anonymous — Sun, 23 Apr 2017 09:30:03 GMT

@Anonymous wrote:
I feel like they should loosen up a little bit. For example, an active service or Veteran should be allowed to have their family and friends join.

As a follow-up I was able to gleen the following information for eligibility today from the USAA Website (note this has changed in the past and may well change in the future) Sunday, April 23, 2017 at 4:24 AM:

Who We Serve: 1) Active Military; 2) Individuals who are currently serving in the U.S. Air Force, Army, Coast Guard, Marines or Navy; 3) Former Military defined as those who have retired or separated from the U.S. military with a discharge type of Honorable; 4) Family to include widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage and individuals whose parents joined USAA; 5) Cadets and Midshipmen Cadets and Midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.

Re: Will usaa open the doors?

Anonymous — Sun, 23 Apr 2017 12:27:13 GMT

@Anonymous wrote:
@Anonymous wrote:
I feel like they should loosen up a little bit. For example, an active service or Veteran should be allowed to have their family and friends join.
As a follow-up I was able to gleen the following information for eligibility today from the USAA Website (note this has changed in the past and may well change in the future) Sunday, April 23, 2017 at 4:24 AM:

Who We Serve: 1) Active Military; 2) Individuals who are currently serving in the U.S. Air Force, Army, Coast Guard, Marines or Navy; 3) Former Military defined as those who have retired or separated from the U.S. military with a discharge type of Honorable; 4) Family to include widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage and individuals whose parents joined USAA; 5) Cadets and Midshipmen Cadets and Midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.

My sister gained membership through her husband. If they would just open it up to siblings I'd be in.......

Re: Will usaa open the doors?

Anonymous — Sun, 23 Apr 2017 14:58:59 GMT

@heyryan wrote:
@creditfan wrote:
@Anonymous wrote:
What are you referring to?

I joined USAA back in I think 2010. This was when their banking products was open to anyone. They changed their minds a couple times but they haven't allowed non eligible members to sign up for a few years now. However, they won't let me sign up for a credit card with them. I'd love to get a USAA card.
why yours so different than mine. I'm also a partial member and joined it back 2013 before it closes the door, I am able to apply all credit cards even the newest limitless card
USAA doesn't allow partial members to get credit cards anymore. I've been a member since around 2000, and for several years I had the ability to apply for a card, but now it says I can't because of eligibility requirements. (I've called a couple of times to verify this was the case)

Figures - now that I've gotten my credit all cleaned up and they WOULD give me a card, I can't get it

Yup that's exactly my experience. I was able to apply for their credit cards until August or so of last year. A rep confirmed that partial members can no longer apply for credit cards, but there's been some partial members on here who say they can. I was actually able to apply right before they cut it off, but I was denied. Not holding out hope on them reopening it. But I've been banking with USAA for the past 7 years, so it'd be nice. Their cards are actually very appealing to me.

Re: Will usaa open the doors?

Anonymous — Sun, 23 Apr 2017 15:00:03 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I feel like they should loosen up a little bit. For example, an active service or Veteran should be allowed to have their family and friends join.
As a follow-up I was able to gleen the following information for eligibility today from the USAA Website (note this has changed in the past and may well change in the future) Sunday, April 23, 2017 at 4:24 AM:

Who We Serve: 1) Active Military; 2) Individuals who are currently serving in the U.S. Air Force, Army, Coast Guard, Marines or Navy; 3) Former Military defined as those who have retired or separated from the U.S. military with a discharge type of Honorable; 4) Family to include widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage and individuals whose parents joined USAA; 5) Cadets and Midshipmen Cadets and Midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.
My sister gained membership through her husband. If they would just open it up to siblings I'd be in.......

CO_NATIVE in talking with the USAA representatives, they suggested that considering the membership changes over time, anyone who might have had some connection with a USAA Member past or present to encourage them to call and explore any eligiblity variations at: 800-531-8722 (remember with USAA they seem to change the rules and don't always adverstise the changes).

Re: Will usaa open the doors?

creditfan — Sun, 23 Apr 2017 18:57:57 GMT

@Anonymous wrote:
My sister gained membership through her husband. If they would just open it up to siblings I'd be in.......

actually there is a way in for family members (siblings), ask your sister open a spare account either saving or checking and add you as an account holder ($25 to open). That's the key let you in door with USAA, once your own account pop up with one of banking product then you can apply any other banking products with them eg: checking, saving and credit cards.

Please Note: this is apply for banking products only

PS: even now it closes to puplic, but you still can join USAA for other type of products

Re: Will usaa open the doors?

UncleB — Sun, 23 Apr 2017 22:03:27 GMT

@creditfan wrote:
@Anonymous wrote:
My sister gained membership through her husband. If they would just open it up to siblings I'd be in.......
actually there is a way in for family members (siblings), ask your sister open a spare account either saving or checking and add you as an account holder ($25 to open). That's the key let you in door with USAA, once your own account pop up with one of banking product then you can apply any other banking products with them eg: checking, saving and credit cards.

Please Note: this is apply for banking products only

PS: even now it closes to puplic, but you still can join USAA for other type of products

That's an interesting loophole... maybe @Anonymous will drop by and chime in as well (he used to work for USAA).

Re: Will usaa open the doors?

creditfan — Sun, 23 Apr 2017 22:34:33 GMT

I can confirm myself

I was the one lucky enough to open a saving when it opens to puplic. As of now, my saving acct is shared between all my family members, I let it help them to be eligible to other banking products, eg. saving,checking, credit cards

PS: my suggestion, please keep it low so everyone can take this great opportunity to become a member if you have any relative is already a member and willing to help you out

Re: Will usaa open the doors?

Anonymous — Sun, 23 Apr 2017 23:11:13 GMT

creditfan that is a good option! Added my nieces to my accounts.

Re: Will usaa open the doors?

Anonymous — Mon, 24 Apr 2017 03:27:03 GMT

Hey all,

Yeah I don't see why the joint account option wouldn't work, it's a really good idea.

Oz

Re: Will usaa open the doors?

creditfan — Mon, 24 Apr 2017 04:24:52 GMT

@creditfan wrote:
I can confirm myself
I was the one lucky enough to open a saving when it opens to puplic. As of now, my saving acct is shared between all my family members, I let it help them to be eligible to other banking products, eg. saving,checking, credit cards

PS: my suggestion, please keep it low so everyone can take this great opportunity to become a member if you have any relative is already a member and willing to help you out

just to be clear of what I said:

each account can have multiple savings and checkings, so you don't have to use your own personal (favorite) saving/checking to add them