Being a member, I cant speak along those lines, however, I doubt it if they will give you the same kind of limits that they give members, only because usually, once you are a member, you have multiple services through them and they feel more secure in giving you better limits, etc: at least thats from my experience. I have been a member since apparently 16 when my mother added me to her car insurance, however, In college, I applied for their credit card as my first choice and was declined. Since then, I have opened renters insurance, checking, savings, transferred my IRA and Investments from BofA to USAA and voila, got their AMEX with a fantastic credit limit.
That being said, Im sure you shouldnt have an issue if you have the right scores they are looking for, however, I would doubt it if you would end up seeing the crazy limits that some of the members here have with them.. (ie: I believe txjohn has a 40k limit or so??)
If your EQ score is above 700 with no baddies, I would say apply and you should most likely be a shoe-in. Ive heard that sometimes they require pay-stubs, W2's, etc: However, in my case they have not requested that yet - but then again, I also dont currently have any type of loan with them other than one cc.
Good Luck!
