USAA won't unsecure, had to close secured Mastercard

[chasmith]

So for everyone's information, I called in to make sure the CD wasn't rolled over.  They will not consider unsecuring a card, a new application is required.

So I applied over the phone with the Secured card rep, was declined.  She can't give a reason and says there's now reconsideration process.  I'll wait for the decline letter and write to the CEO.

I have more than enough credit (NFCU, BBRZMC, Kohl's, Macys) so while this is frustrating it's not a big deal for me.

[chasmith]

Update:

I applied to First Tech FCU (member there for two years with a small biweekly direct deposit) for a VISA with $5000 line.  Got an answer saying manual underwriting is required.  They pull Experian.

Also applied to Walmart.  Got instant approval for a Walmart Discover card with a $1200 line.  They pull TU.  So recovered almost all what I gave up for line at USAA, and apparently GEMB isn't blacklisting me.

So we'll see what happens, I'll have one INQ each on the three bureaus.  Now to garden again...

[chasmith]

Just got an approval email from First Tech (I had expected to have to speak with them).  $5000.00 line, no annual fee, 13.75% VISA Platinum.

[jdirilo]

Congrats

[bichonmom]

Congrats! 2 nice new CCs! And Walmart will give you FICO, too.

Usaa is super-conservative. They only counter-offer full members. Also, IMO, their CCs for ltd members just aren't that great. They were on my wish list until I took a closer look. 

[MsLadyRover]

Nice cards! Congratulations.

[Revelate]

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@bichonmom wrote:

Congrats! 2 nice new CCs! And Walmart will give you FICO, too.

Usaa is super-conservative. They only counter-offer full members. Also, IMO, their CCs for ltd members just aren't that great. They were on my wish list until I took a closer look. 

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Except he is a full member if he has a secured card.  Why do you think they're super-conservative?  I haven't seen the same anecdotally on this forum and they even sent me (of all people) a pre-approval for their entry unsecured VISA at one point.

Sounds strange honestly, not certain why USAA would deny a full member with a 680+ EQ FICO score.  I'd call, and also take a hard look at my EQ report.

[TNTransplant]

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@bichonmom wrote:

Congrats! 2 nice new CCs! And Walmart will give you FICO, too.

Usaa is super-conservative. They only counter-offer full members. Also, IMO, their CCs for ltd members just aren't that great. They were on my wish list until I took a closer look. 

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Congrats, OP - awesome credit lines for both cards, and as noted above, you'll also get the free monthly FICO.  Sounds like a win to me! 

bichonmom,

I'm a partial USAA member, and I applied for one of their cards without realizing the limited benefits (primarily the high interest rates given to partial members - 23% for me).  However, they did give me a $12,000 CL (by far my highest), so I will happily keep the card and always PIF.  I've set up my cell phone bill to charge monthly, so that should keep the account active.