Unintentional USAA...

[Anonymous]

Yeah---"all kinds of ways to get in"...I became a member through my step-mom, who became a member 30 years ago through her former marriage with her ex-husband...I know, I know I feel kind-of bad...but hey, I'm loyal customer.

[Anonymous]

Congratulations MsMS!

It's always a great feeling to work with people who underpromise

and overdeliver. USAA's customer service is legendary and I'm

glad everything worked out for you and your family.

Question: Which credit report did they pull for your 10k CC approval?

I went to wgmc.com and pulled up USAA. Some folks had TU pulled,

others had EQ pulled and even 1 person had all 3 reports pulled.

So if you'd be kind enough to let us know which one they pulled for you,

we'd really appreciate it.

Once again, major congrats!!!!

"The right attitude is everything"

[Anonymous]

Yes the mantra at USAA is "once a member, always a member" so what you did through your mother works.  If you have a chance to be a USAA member, jump on that eligibility.  I do want to correct a common misconception, though.  You dont have to be a member to utilize any of their banking products.  In fact, the only USAA products non-members can't enjoy is the insurance (which is a pretty big loss).  Bank products, though, you are welcome to.

[Anonymous]

Hi Drachen,

Thanks for clearing that up - greatly appreciated.

And if I may add, USAA is actually a savings and loan. This is

why anyone is welcome to apply for any of their banking products.

But since there is a membership component to USAA, a lot of

people assume that they're a credit union. They are not, so in

that respect you don't need to "join" to apply for a credit card,

for example. I've learned from others in this forum that a FICO

of at least 650 gets you serious consideration for a CC. I'm just

not sure which report(s) they pull...

But if you do find out that you're eligible for membership, their

insurance products are fantastic. I'm a retired government civilian

and lots of my friends are USAA members. They get solicitations about

insurance all the time via email or phone, but as soon as these

companies find out they're USAA members the conversation comes to a

screeching halt.

Thanks again for the clarification, Drachen. I imagine that USAA's phones

will be ringing off the hook now. Cheers!

"The right attitude is everything"

[Anonymous]

---

Sylviatob wrote:
Lyssa, keep that card at the very tip top of your list of cards to get! Please don't let an opportunity slip through your fingers.

---

Thanks, Sylvia, advice well taken! I fully intend on getting this card, it's the last card on my list. I've heard too many good things about USAA to not get it.

Plus my mom is harping on me, encouraging me to get it, and get rid of all my others. While I don't intend on getting rid of my other cards, I do want USAA to be my main card I use

[Anonymous]

I beleive two - three months USAA stopped allowing non-USAA members to use their banking products....hmmm...I could be wrong.

[Anonymous]

OOhhhhhhhhhhhh pj, how could you?

After CanDo gave me a glimmer of hope you come and say that. Defeat clutched from the hands of victory. (just kidding!)

Well, you do know how we love a diversity of opinion.

sok. Life is good.

[Anonymous]

Sorry Sylvia- I can adopt you if you like? j/k...maybe app for a job with the Feds? (But is it worth it? -- I can say that since I am one, lol!

Sorry to spoil the fun...

[Anonymous]

How long does it usually take for an inquiry to show up?  I have ScoreWatch, so the only CR I monitor on an obsessive basis is EQ.  I was planning to do my next 3-way pull in early-mid May, to see how the paydown affects my scores (hopefully affecting both DH's and mine enough for good rates on the truck refinance).

That's good to hear that USAA has really good customer service- I got a homeowner's quote, but that and the credit card are the only interactions I've had with them so far.

-MsMS

[Anonymous]

Good Morning MsMS,

Thanks for sharing your experience with the USAA cc

with us. We really appreciate it.

To answer your inquiry question, it's been my experience

that they show up within 24 hours after the lender pulls

your report. So if you apply today and someone does a

hard pull, it should show up tomorrow.

I also have ScoreWatch. When the system is working properly,

you'll get an email alert on the same day the inquiry hits your

Equifax report. Sometimes it's a little show, but most of the time

it works as designed. But I'd say within 24-48 hours is pretty standard.

Which reminds me: which report did USAA pull on you for the cc?

Congrats again on your success. Enjoy the day!

"The right attitude is everything"