topic Re: usaa partial members not eligible for credit cards?? in Credit Cards

usaa partial members not eligible for credit cards??

spartanspirit — Mon, 20 Aug 2012 17:05:50 GMT

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??

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

TNTransplant — Mon, 20 Aug 2012 17:11:51 GMT

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.

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

jsucool76 — Mon, 20 Aug 2012 17:14:15 GMT

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.

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

Jlu — Mon, 20 Aug 2012 17:15:29 GMT

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.

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

Anonymous — Mon, 20 Aug 2012 17:16:16 GMT

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

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

Anonymous — Mon, 20 Aug 2012 17:23:30 GMT

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

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

Anonymous — Mon, 20 Aug 2012 17:29:05 GMT

@Anonymous 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.

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

Anonymous — Tue, 21 Aug 2012 10:25:07 GMT

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.

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

Anonymous — Tue, 21 Aug 2012 12:44:32 GMT

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.

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

cassie3783 — Tue, 21 Aug 2012 13:07:10 GMT

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!

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

Anonymous — Tue, 21 Aug 2012 14:38:00 GMT

They did tell me last year I could not get a Secured Credit Card because I was not a full member, so were you asking about secured or unsecured card?

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

spartanspirit — Tue, 21 Aug 2012 22:50:11 GMT

i was asking about any of the credit cards. but she told me "associate" members were not eligible for any of them. basically the only reason i joined.

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

Anonymous — Tue, 21 Aug 2012 23:15:16 GMT

@spartanspirit wrote:
i was asking about any of the credit cards. but she told me "associate" members were not eligible for any of them. basically the only reason i joined.

She is wrong. Log into your account. You should see some cards you can apply for.

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

spartanspirit — Tue, 21 Aug 2012 23:28:45 GMT

so i called usaa again to get another rep, and this rep told me the same thing. i was not eligible for anything except checking/savings and discounts for some life insurance products. i mentioned this board, how there are some members who have no military affiliation and they were able to get a credit cards, and she said that was not possible. she said only full members or usaa employees were eligible. not making a big deal out of this, just weird that im reading different from what they are saying.

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

WhiteCollar — Tue, 21 Aug 2012 23:41:20 GMT

They are giving you incorrect info. As a partial member, you can apply for both the USAA platunum visa and mastercard. You just will not be eligible to receive the lowest rates available, full members get that perk.

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

jsucool76 — Wed, 22 Aug 2012 00:34:53 GMT

@spartanspirit wrote:
so i called usaa again to get another rep, and this rep told me the same thing. i was not eligible for anything except checking/savings and discounts for some life insurance products. i mentioned this board, how there are some members who have no military affiliation and they were able to get a credit cards, and she said that was not possible. she said only full members or usaa employees were eligible. not making a big deal out of this, just weird that im reading different from what they are saying.

From what I've read USAA is supposed to have good customer service, surprising that they would be handing out such misinformation.

A partial member's screen will only show what you can apply for when you look at credit cards (i'm a partial member and I see this)

Whereas a full member gets all of these

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

spartanspirit — Wed, 22 Aug 2012 03:58:01 GMT

thats funny, cuz the cards for full members is what i see when i log in, and my sister, who i signed up an account for in the exact same has the three card screen and was able to apply (denied). i called a third rep aaaaaannnnddddd she said everybody has full membership, just active and retired military get the insurance. she's never even heard of full or partial memberships, and i could apply for a card, i just had to phone in my application. awww to be confused. thanks for everyones help and advice. i appreciate it.

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

Anonymous — Wed, 22 Aug 2012 04:01:37 GMT

Not sure why you didn't just apply online.

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

spartanspirit — Wed, 22 Aug 2012 04:08:19 GMT

@Anonymous wrote:
Not sure why you didn't just apply online.

because no matter which card i click on, im taken to a screen that asks me to verify my eligibility, and while my dad is retired air force, he's not a usaa member, so it tells me i cant apply for any of them and to use a different family member. its okay, not the worse thing that can happen to me.

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

Anonymous — Wed, 22 Aug 2012 05:46:49 GMT

Didn't you join first?