topic Re: USAA: allow more than one CC? in Credit Cards

USAA: allow more than one CC?

beautybrainsbooty — Thu, 30 Aug 2012 23:20:24 GMT

hey my fellow USAA members, can we have more than one card? Is it even a good idea? I recently got approved for a rewards card (love!) with a great CL. Because of some unseen need for an AMEX in my wallet I now have, I want to apply for it through them. Butttt, I'm not sure if they allow two or if I just nurture this one for a few months and app around Christmas???

Re: USAA: allow more than one CC?

sandman2435 — Thu, 30 Aug 2012 23:23:00 GMT

Yes you are allowed more than one account..as I have 4 credit cards with them

Re: USAA: allow more than one CC?

beautybrainsbooty — Thu, 30 Aug 2012 23:28:24 GMT

thank you!

Re: USAA: allow more than one CC?

suebee123 — Fri, 31 Aug 2012 00:28:11 GMT

I have three cards with USAA: visa, mastercard and amex.

Re: USAA: allow more than one CC?

beautybrainsbooty — Fri, 31 Aug 2012 04:14:14 GMT

@suebee...how far apart did you app for your cards? do you think its ok to go ahead an app now even though I just recently got one (within the month)

thanks for the info!

Re: USAA: allow more than one CC?

apandabear — Fri, 31 Aug 2012 14:45:38 GMT

I have 2 from USAA at the moment. One I got in March, the other in May.

Re: USAA: allow more than one CC?

CS800 — Fri, 31 Aug 2012 14:46:35 GMT

I have two CC with them

AMEX + Platinum Classic

Re: USAA: allow more than one CC?

DVH1980 — Fri, 31 Aug 2012 14:56:18 GMT

I love USAA and use just about every one of their financial services. IF you need an AMex card, why not go through Amex? The USAA Amex is not a true Amex in the fact that its not issued by Centurion Bank.

Re: USAA: allow more than one CC?

suebee123 — Fri, 31 Aug 2012 15:04:13 GMT

I got my mastercard the beginneing of Jan, my Amex at the end of Jan (pre-approved offer) and my visa in July of this year. I see no reason why you can't get another card. Good Luck.

Re: USAA: allow more than one CC?

beautybrainsbooty — Fri, 31 Aug 2012 17:20:50 GMT

ok I think I am going to pull the trigger today! I will update with my "approved for an outrageous CL" when I get it.

Thanks you all very much!!!

Re: USAA: allow more than one CC?

Anonymous — Sun, 02 Sep 2012 03:47:27 GMT

To anyone who has more than one USAA credit card, may I ask you to share your reason(s) for applying for more than one USAA credit card ?

I'm curious on account of that my USAA mastercard has been non-competitive in regards to the cash rewards and the credit limit increases. In contrast, my Citi dividend select card has been willing to take chances on me with regards to regular-ish credit limit increases that I did not ask for, and I'm more pleased with Citi's cash rewards.

Furthermore, while reading the customer comments on USAA's website for the USAA mastercard, during the last several months several customers shared that USAA made the dispute process difficult when those customers needed to dispute a credit card charge. What I mean by sharing that is that I'm concerned about a possible ongoing decline in the quality of USAA's credit card services.

But to give credit where credit is due, I am thankful for my low interest rate and excellent balance transfer offers on my USAA mastercard.

Re: USAA: allow more than one CC?

DVH1980 — Sun, 02 Sep 2012 12:59:10 GMT

@mojavemoon: I do almost all my banking/insurance/financials through USAA. For me, its a convenience factor having everything in one place. Secondly, I have had nothing but positive experiences with USAA customer service. I also prefer USAA over the Chase, BofA and WF for personal reasons.

Re: USAA: allow more than one CC?

beautybrainsbooty — Sun, 02 Sep 2012 13:56:59 GMT

I am a newish member of USAA. And it seems to me from these boards and their website, that in terms of long term members that customer service has taken a nosedive. Also that because of their size they have turned to a much more automated, computer driven service module instead of good ole fashion customer service. Now personally, I have yet to experience mediocre service. I did get a rep the other day who sounded new, but was ultra friendly and helpful. Prior to that, during the identity verification process the reps seemed irritated but never mediocre. However, their CC is top notch in terms of rewards and APR and people do notice the USAA logo on your card and the convenience can't be beat-even when youre mailing in a payment. I can't speak to the CL increases because they started me out with a tremendous limit and I don't know that increases are that important in this stage for me however I know that USAA is generous to their full members. Its important to remember that they are a BANK not a CU like navyfed and as such, will operate on that level. The difference is they cater to military families and I feel are rather generous (albeit bankish) in their offerings. I love me some USAA! (and NFCU too). Hope this helps.

Good luck!

Re: USAA: allow more than one CC?

Anonymous — Mon, 03 Sep 2012 09:30:40 GMT

Thank you both -- I appreciate you sharing your thoughts.

Re: USAA: allow more than one CC?

webhopper — Mon, 03 Sep 2012 17:33:23 GMT

Usaa is great from everything ive heard; but why not apply for an amex charge card? Your scores are in the right range for approval. Zync only has a 25$ fee; and will lead to backdating later on.

Re: USAA: allow more than one CC?

webhopper — Mon, 03 Sep 2012 17:36:22 GMT

Also there have been some surprising approvals for amex co branded cards.

Re: USAA: allow more than one CC?

beautybrainsbooty — Tue, 04 Sep 2012 17:53:08 GMT

I don't know why I am a little gunshy on the AMEX. I just tried-on Friday-for an additional visa card and got turned down because of "new credit". Not sure if I need to wait 6 months or so, or keep selectively applying until someone approves me for a third card? Help!

Re: USAA: allow more than one CC?

webhopper — Tue, 04 Sep 2012 18:09:36 GMT

@beautybrainsbooty wrote:
I don't know why I am a little gunshy on the AMEX. I just tried-on Friday-for an additional visa card and got turned down because of "new credit". Not sure if I need to wait 6 months or so, or keep selectively applying until someone approves me for a third card? Help!

In my recent experience, Amex did not hesitate to approve my Zync app... with 15+ HPs on EX. I wouldn't think you would be turned down due to " seeking new credit"

Re: USAA: allow more than one CC?

beautybrainsbooty — Tue, 04 Sep 2012 18:13:25 GMT

no. way. 15 HP???? whahhhh???| You have stellar credit and optimal scores I am assuming. THATS AWESOME!!! I am right at the cusp of 700 on EQ and me and EX don't have a positive relationshp at this moment. I am forced to wait it out until I get my TLs reporting on EX. Ewwwww I can't wait to get my AMEX!