topic Re: USAA is not open to everyone anymore in Credit Cards

USAA is not open to everyone anymore

ilovelisa — Mon, 02 Sep 2013 01:48:03 GMT

I log in online, and I click on the credit card link and get this:

Sorry, we can't provide this product to you.

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.

I clicked on their checking and savings account link and get the same thing. So apparently USAA has become just like NFCU.

Also, I logged out and clicked join USAA and it asks you how you are eligible, if you click none of the above, it gives the same message.

Re: USAA is not open to everyone anymore

Anonymous — Mon, 02 Sep 2013 01:56:09 GMT

That's a pretty big change.

Re: USAA is not open to everyone anymore

BearsAndTurtlesRtheBest — Mon, 02 Sep 2013 01:57:26 GMT

IDK I think its fair, I have no family thats in the military but thats who those banks serve.

Re: USAA is not open to everyone anymore

Chaos122 — Mon, 02 Sep 2013 02:02:02 GMT

Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

Re: USAA is not open to everyone anymore

toppers555 — Mon, 02 Sep 2013 02:02:20 GMT

Looks like your correct. I was a non full member ,and It looks like I have access to all products now.

Re: USAA is not open to everyone anymore

ezdoesit — Mon, 02 Sep 2013 02:41:27 GMT

@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.

Re: USAA is not open to everyone anymore

toppers555 — Mon, 02 Sep 2013 02:51:05 GMT

@ezdoesit wrote:
@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.

if you are non miltary you are partial. looks like it lets me into more products but still no go for the insurance. Also I am able to apple for all cards but I just recently open 2 so i can not test it.

Re: USAA is not open to everyone anymore

ezdoesit — Mon, 02 Sep 2013 02:57:55 GMT

@toppers555 wrote:
@ezdoesit wrote:
@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.
if you are non miltary you are partial. looks like it lets me into more products but still no go for the insurance. Also I am able to apple for all cards but I just recently open 2 so i can not test it.

I am non military but I joined though my father who was in the korean war. I guess that makes me a partial member then. I click on any link for quotes for insurance (life or auto) and no message comes up that I can't do it.

Re: USAA is not open to everyone anymore

HeilFico — Mon, 02 Sep 2013 03:08:47 GMT

@ezdoesit wrote:
@toppers555 wrote:
@ezdoesit wrote:
@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.
if you are non miltary you are partial. looks like it lets me into more products but still no go for the insurance. Also I am able to apple for all cards but I just recently open 2 so i can not test it.
I am non military but I joined though my father who was in the korean war. I guess that makes me a partial member then. I click on any link for quotes for insurance (life or auto) and no message comes up that I can't do it.

You are a full member through your dad. I got in the same way and have insurance, a car loan and two creditcards atm.

Re: USAA is not open to everyone anymore

UFGuy2006 — Mon, 02 Sep 2013 03:15:43 GMT

@HeilFico wrote:
@ezdoesit wrote:
@toppers555 wrote:
@ezdoesit wrote:
@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.
if you are non miltary you are partial. looks like it lets me into more products but still no go for the insurance. Also I am able to apple for all cards but I just recently open 2 so i can not test it.
I am non military but I joined though my father who was in the korean war. I guess that makes me a partial member then. I click on any link for quotes for insurance (life or auto) and no message comes up that I can't do it.
You are a full member through your dad. I got in the same way and have insurance, a car loan and two creditcards atm.

I am a partial member and was able to go through the quote process for insurance without erroring out...

Re: USAA is not open to everyone anymore

toppers555 — Mon, 02 Sep 2013 03:53:51 GMT

@UFGuy2006 wrote:
@HeilFico wrote:
@ezdoesit wrote:
@toppers555 wrote:
@ezdoesit wrote:
@Chaos122 wrote:
Yeah, noticed that yesterday too.. Apparantly now partial members arent eligable for any banking products at all . Looks like partial members cans till open investment accounts, but no banking (ie checking/ credit cards/ auto loans)

How does someone know if they are a full member or partial member? I went onto the website and I didn't notice any changes and I only have 2 cc with them.
if you are non miltary you are partial. looks like it lets me into more products but still no go for the insurance. Also I am able to apple for all cards but I just recently open 2 so i can not test it.
I am non military but I joined though my father who was in the korean war. I guess that makes me a partial member then. I click on any link for quotes for insurance (life or auto) and no message comes up that I can't do it.
You are a full member through your dad. I got in the same way and have insurance, a car loan and two creditcards atm.
I am a partial member and was able to go through the quote process for insurance without erroring out...

are you being directed to ussa or liberty mutal

Re: USAA is not open to everyone anymore

UFGuy2006 — Mon, 02 Sep 2013 03:59:39 GMT

Toppers, great call out. It was being redirected... strange!

Re: USAA is not open to everyone anymore

Brusilov — Mon, 02 Sep 2013 04:02:45 GMT

Does anyone happen to know how product eligibility is determined? Are full members only those actively serving or retired?

Re: USAA is not open to everyone anymore

Anonymous — Mon, 02 Sep 2013 05:08:35 GMT

I'm not sure if you guys/gals are missing out on much. I believe insurance products were never available to partial members to begin with? Their CCs are ok, but you still have some fine/good choices from other lenders.

@ilovelisa wrote:
...So apparently USAA has become just like NFCU. ...

Not quite, NFCU is significantly more strict.

Re: USAA is not open to everyone anymore

studiogeek — Mon, 02 Sep 2013 09:47:57 GMT

I am a partial member (Liberty Mutual Insurance redirect) however I do seem to be able to apply for cards. Renters insurance gave an error saying I was ineligeble but I sucessfully went part of the way through the Amex app process.

Re: USAA is not open to everyone anymore

Repo-ed — Mon, 02 Sep 2013 11:23:24 GMT

@Anonymous wrote:
I'm not sure if you guys/gals are missing out on much. I believe insurance products were never available to partial members to begin with? Their CCs are ok, but you still have some fine/good choices from other lenders.

@ilovelisa wrote:
...So apparently USAA has become just like NFCU. ...
Not quite, NFCU is significantly more strict.

^^^This!

But FINALLY - again, only service members are allowed membership!

Re: USAA is not open to everyone anymore

Anonymous — Mon, 02 Sep 2013 11:29:46 GMT

USAA favors veterans more than NFCU.

Re: USAA is not open to everyone anymore

Anonymous — Mon, 02 Sep 2013 14:58:34 GMT

@Anonymous wrote:
USAA favors veterans more than NFCU.

Yes, they do. With NFCU you have to be retired and drawing retirement pay, with USAA you only had to have served, which, IMO, is more fair.

Re: USAA is not open to everyone anymore

lhcole77 — Mon, 02 Sep 2013 15:46:11 GMT

Wow! This is very interesting. I became a limited member in June. Looks like I got grandfathered in.

Clicked on credit cards and I'm now eligible for all but one. And the APRs have gone down 4-6%.

I'm feeling lucky that I got in when I did. Sorry to OP and others who got the intelligibility message. Might be worth a call to them for clarification. Their CS Team has been stellar in my experience.

Edit: The military affiliate card still is quoting at 13.9% APR. It looks like that has not gone down. But the other cards have gone down to 9.9% APR which looks like it's the same rate for full or limited members.

Re: USAA is not open to everyone anymore

aloush11 — Mon, 02 Sep 2013 15:50:55 GMT

USAA auto insurance isn't available to you — but we still can help.

Our mission is to serve military service members and their families. Even though USAA auto insurance isn't available because of membership requirements, we can still can help you get insured today. The USAA Insurance Agency works with Liberty Mutual Insurance to provide options for members who aren't eligible for USAA auto insurance