How hard to get USAA credit cards?

[Anonymous]

I have been with USAA for about 10 years now and I don't remember they offer me any pre-qualification for credit cards.Even with high scores at the time (Before correction: EQ 722, EXP 780, TU 777) they rejected my application. It could be EQ at the time but I did submit a request to look into it but they said they closed the case and I have to reapply again through the chat. Since they rejected me 2 more times. For auto loan attempt for my first truck (2014), between these two scores (Aug 11, 2014) EQ 781, EXP 784, TU 779 and (Nov 22, 2014) EQ 814, EXP N/A, TU 781 they gave me ~13.49% APR and ~40K. I ended up with Chrysler with 3.25% APR with $68K loan. Even with long time auto insurance (recently increased by $20 with no derogatory on my driving records) and recent house insurance I still haven't receive any single credit card offer. I am thinking about switching to a different auto insurance and house insurance soon. Does anybody has any luck with USAA? Is there something I need to do? Thank you.

[kerplunk]

Hard to say what is going on, but if it were me, I would move on. Seems like you have a pretty good arsonal of cards.

[Anonymous]

Thanks. Somehow it is getting to me whenever they rejected me with unreasonable reasons. However, you are right. They don't offer the best credit cards compare to NFCU and Amex. Right now they increased my auto insurance by claiming that one of the security subscription (UConnect) is ended which is weird. I did reapply that discount back but currently it is $10 higher. I have to call them to check if they could discount me further next week. 

[Anonymous]

Even the 722 with Equifax is a score that is more often than not accepted - if they even pulled Equifax. But of course your FICO score is only one factor in granting credit. There must be someeting in your profile that somehow triggers them, but not other lenders. It's how Amex gives me a limit of 24,000 across 4 cards and Capital One gives me a limit of 1000 across 2 cards.

[AverageJoesCredit]

If you are a full member that is weird. I know for partial members  it can be darn near impossible. And for non members lol. Dont understand their exclusive mentality. They should let vets join imo but alas....i think you are good with Nsvy and other lenders

[Anonymous]

Hi, yes I think so too with the eq score. Even after a correction, sometime  later and even further  after the first app, I got rejected again and again. I remembered the  score listed on the first rejection letter was before EQ correction because I requested a detail info. Not sure it was to but it doesnt match any of myfico scores. The next two letters were just a simple generic rejection. Anyway, yes since I have nfcu who needs usaa for cc. I am hoping to find new insurances too. Thanks for all you guys replies.

[wingennis]

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@AverageJoesCredit wrote:

If you are a full member that is weird. I know for partial members  it can be darn near impossible. And for non members lol. Dont understand their exclusive mentality. They should let vets join imo but alas....i think you are good with Nsvy and other lenders

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Agreed.  Membership should be open to all Vets.  Isn't that part of their historical mission?  To serve those who served?

[LittleSal]

How do you know if you are a full member?

[Anonymous]

In my case they approved me for 2 cards 3-4 years ago,  right at the beginning of my rebuild when my credit wasn't the best. I went on a very unplanned app spree one night and kept getting approvals, these 2 cards included. By the way, I do not recommend unplanned app sprees. After 8-10 yrs out of the credit game, approvals were like a drug and I couldn't stop, lol. 

Anyway, my initial starting limits were $10k each and they have grown to $21k each through a few CLI requests. I will say I barely use these cards but I like them for utilization padding. They also make cash advances very easy and I've done that a few times, only when I know I can pay it back within a week or two. No fee to advance to your USAA acct then to transfer it immediately to another external acct. Available the next business day. 

 
To provide DP's - I joined USAA through my Dad's membership. I am not a vet but he is. I only have these 2 cards and a savings acct with $25 in it with USAA. I have looked into other products but always find better rates elsewhere. No idea if I'm a "full" member or not?? 

[AverageJoesCredit]

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@wingennis wrote:

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@AverageJoesCredit wrote:

If you are a full member that is weird. I know for partial members  it can be darn near impossible. And for non members lol. Dont understand their exclusive mentality. They should let vets join imo but alas....i think you are good with Nsvy and other lenders

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Agreed.  Membership should be open to all Vets.  Isn't that part of their historical mission?  To serve those who served?

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+1000000 

Lol, how many active members even think about joining them or else. I know when i served i was a total noob and knew nothing about Credit Unions or banks that might be worth getting for future. Its a shame really