@AutisticPretzel wrote:I don't believe the aforementioned shortcomings and failures devalue my personal experience though.
My only goal/purpose in sharing was to provide others with the same information and data points I struggled to find here on MF and elsewhere.
Easy tiger. No one is devaluing your relationship with USAA. No one even knew anything about your relationship with USAA from your original post.
You had only discussed your long time credit relationship with Navy Federal and disappointment with their preapproval rate... and your equally shocked USAA preapproval rate with no mention of your USAA relationship.
The reply was meant to share some data points as to why you may not find many posts sharing the love for USAA, which you did mention in your original post.
Regardless, congratulations on your approval rate with USAA .. and Chase. And congratulations on your (new to you) WRX.
@AutisticPretzel wrote:Let's pump the proverbial brakes for a moment (pun intended).
"Easy tiger. No one is devaluing your relationship with USAA. No one even knew anything about your relationship with USAA from your original post."
There simply was no relevance in initially mentioning my time of membership with USAA as they are not a "relationship based" institution in any sense of the phrase. NFCU IS very much relationship based. Secondly, I didn't say he was devaluing my relationship overall with USAA - I simply said it doesn't change or cheapen this specific experience.
"The reply was meant to share some data points as to why you may not find many posts sharing the love for USAA, which you did mention in your original post."
....Well, that's thing thing, Tiger: There wasn't even really a DP shared from them. The individual in question essentially referred me to the Google search function without even mentioning the specific problem(s) he may have been referencing lol.
I hate to be "that guy" but I'm confident in saying that these recent incidents absolutely, positively are not the reason behind the lack of love and information with USAA around these parts. As I initially said, the primary reason is the lack of overall competitive products. From the high interest rates, to the use of an outdated FICO scoring model, stringent UW'ing and the chronic nerfing of products, this is enough to turn your average semi-educated consumer off by itself. Their strict eligiblity standards play a role in limited information as well.
What's my anecdote? The lack of USAA info/DP's all throughout the MF forums has 100% predated any of the noteable public issues with them. If an institution has worthwhile products or services that fits a consumers needs, a little scandal rarely, if ever gets in the way of a consumer pursuing said products. You can go to the 'Credit Card Approvals' forum right now and find a couple of Wells Fargo & Bank Of America approvals every few pages - Two of the worst financial regulation offenders in the financial space.
Anyways, that's my story and I'm sticking to it! I hope you all enjoy your Sunday and have a good day!
Whoa, whoa whoa... Easy does it there. No need to get so upset. Not even a thank you for the *two* congratulations? << This was meant in jest. That's the thing about message boards, tone is not always obvious.
USAA has been discussed here quite a bit. Not so much since you've been a member the last year or so but I can remember threads upon threads going back about 5 to 10 years when *everyone* was getting free or cheap credit reports and scores via USAA/Experian. Actually, there is ALOT less discussions here on the this forum in general than there used to be.
And.. I'm sensing you don't really hate being that guy, Buddy Boy. You can have Buddy Boy now, I'll reclaim Tiger since you chose to give it back to me. << Jesting again.
Shoot, I almost forgot change colors to direct a negative tone when quoting. >> again, I jest..
