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@phumanr wrote:
...do you have to be with USAA for several months before they show you luv?Phumanr
Wish I could tell you for sure --I've been with them 28 years, and at this point, stuff just sort of falls into my lap.
My older daughter has been with them for 3+ years, and they gave her the AmEx after she'd had the MC for two years. Now that I think about it, that's how long I'd had the MC when the AmEx offer popped up. Maybe that's their preferred interval?