@msbia wrote:I'm with Elim....they are the best IMO. I just got approved for another auto loan with them two weeks ago at a great rate. I have a personal loan, two CC, life insurance, investment account, two car loans, checking and savings.
I now have a checking account with them. 
My husband was an Army brat. lol We've apparently been members since 1987 right after we got married. My FIL is retired Army. My dh has checking and a credit card with USAA. Maybe we ARE full members. I don't really know what the difference is.
To the OP, while nothing is ever guaranteed, I think you have a pretty good chance. I got my USAA Visa card a little over a year ago with little history and two old charge-offs. My score was around 670-ish if I remember correctly.
As for being a 'full' member, there was a time when anybody could get a deposit account, but insurance products were reserved for "full members" who were eligible due to military service, or from 'inheriting' their membership from parents who were "full members". It gets a little tricky since for insurance purposes there are even two different levels of "full members", with vets getting better insurance rates than someone who 'inherited' their membership. It's thought by some that vets get better rates on loans, credit cards, etc. than those who inherit their membership, but I've never seen anything about that in writing.
"Full membership" isn't required to get a credit card, but now that only members can get deposit accounts most newer folks are "full members". Their membership is more restrictive than NFCU in a few ways, since it can only be inherited directly from a parent or spouse (not a sibling, grandparent, etc.) but they do allow any vet to be a member later in life, which is actually more generous than NFCU.
Edited to add: For my credit card, they did a single HP on Equifax. Hope this helps!
@Anonymous wrote:USAA is a great company. One thing that I like about them is that they don't outsource their customer service reps! They also have great insurance policies, and if you need to make a claim for whatever reason, they are OUTSTANDING. I use them for my checkings and direct deposit- my pay is normally deposited 1-2 days earlier than expected. I also have 4 cars insured under them, and my homeowners insurance. I also love their mobile app. You can deposit checks from your phone which is very convenient. Also, they refund any ATM fees if you get charged any.
+1 to all of the above! 
