Anyone use USAA

[Anonymous]

I've got a Prime + 2.9%

They claim to offer Prime Rate to those with excellent credit, does anyone have this rate?  I've got scores ranging from 750 - 790 but can't seem to get that kind of love from them.

[Anonymous]

i cant get approved for anything with USAA right now my scores are in the low 600's

[Tuscani]

Yes.. USAA is superb. I highly recommend!

[smallfry]

---

@Tuscani wrote:

Yes.. USAA is superb. I highly recommend!

---

New membership qualifications knock me out of the game. I hear mostly great things about this CU. One of the best along with Navy Federal Penfed and Patelco.

[Anonymous]

Well, the phone call failed but the email I sent got them to drop it from

Prime +2.9 to Prime +1.75

Better but really would like to know what it takes to get to prime

[NikJ4]

I do know since working their,,the min score is 630 for products.(

Message Edited by NikJ4 on 08-14-2008 05:57 PM

[rubaty]

According to their website, the lowest rate you can have on either of their cards is 6.75% which is prime + 1.75.  They don't offer a fixed rate only variable.

[Anonymous]

I have a USAA MC $20K at a variable rate of 5.0% (Prime + 0%). I have had the card since Dec 07. My rate has moved down since that time.

The key - and I think it has been said on this board before is your use of their products - the more you use - the more the doors open for you.

I have checking, savings, cd, car insr, life insr, retirment plan and home insurance. I think that helps.

FICO: Eq: 785; Exp: 747, and Trans: 777.

[Anonymous]

NikJ4--You work at USAA correct? Can you tell me which bureau you pull for credit cards? I live in SC if that makes a difference...

THANK YOU!!!!!!!!!!

[nathan]

They just denied me for a usaa amex with a 659 eq. Their reasons are: too many inq (12) over two yrs, accounts too new? and one 5 yrs old collection. I have sent them a recon email to do a manual review and I am still waiting for their reply. Do they ever recon? If i am still denied, i will stick with my penfed 15k, navyfed 15k and 5k. If they think penfed and navyfed are dumb enough to offer me such nice ccs when i had even lower score, to hell with them. I can;t believe they would not even offer me 1k even though i have been a member for 5 yrs.