I have financed 6 loans through USAA now and have always received amazing rates and the process is so fast. I would never use anyone else. Several times, I even applied on my phone through the app while sitting in the dealership parking lot. The dealer check was emailed to me within minuted, done deal.
The year I had this card was awful. Despite asking for paper statements over the phone, I did not receive a single paper statement. EAch time I called, they would say, there had never been a request to receive paper statements. I would give them the dates/times/names of each request. The next month would arrive and yet again, no statement. I then paid the card in full and called them to cancel it. Same thing happened. I continued to get emailed statements so I could call and they would say, they had no previous request to cancel! It took me months of calling them to cancel this card. They have nightmare customer service. Rates might be great but if customer service isn't there, I would not recommend them.
I've been with USAA for more than 10 years. A few days ago, I applied online for an American Express credit card, and I was denied. I've had a secured American Express for more than 4 years, and I've had excellent payment history. I think 4+ years of payment history is sufficient enough to establish that I am ready to graduate to an unsecured AMEX. But, instead, they presented an offer to open another secured American Express, and didn't even offer their classic American Express. What will I do with two secured American Express cards?
I spoke to a supervisor, and he said that the denial is to protect its members. When that was said, I felt like an outsider. My grandfather closed his accounts a few years ago, and USAA tried to bargain with him. I do not have millions of dollars invested in USAA, so they were not concerned when I proposed closing my accounts. I wish I would've known that USAA was so conservative. I've had an unsecured Visa credit card for 3 years, and I haven't received one credit limit increase. My credit cards have a zero balance, and I have excellent payment history. I understand now that members are not treated equally. My grandfather had millions of dollars invested in USAA, and he was a general. Anyone who says that USAA treats its members equally is naive, because there is no doubt that money and rank played a part in pleading and bargaining with my grandfather to not close his account -- versus offering to help me close mine.
My credit sucks, got this USAA secured Amex and its good, i dont see how people wouldnt get approved for it though since its a secured card? Either way, ive been happy with it, i dont use it that much but ive loaded a few thousand bucks on it so it comes in handy.
Applied a couple weeks ago. 636 Experian FICO. I actually applied for the basic platinum through my account and they somehow approved me for this with a 2k CL. Maybe it's because i have had a secured card with them for six months with perfect payment history. Really grateful to USAA for helping me with my credit rebuild.
Got rid of all my debt a few years ago. No credit cards, car payments, mortgage. Wanted to get a new credit card as I've recently started traveling and needed to rent a car and make hotel reservations.I applied for a visa through USAA, and got one, but it only had a $500 credit limit. A few months later I applied for the American Express offered by USAA and received the card with a $1000 credit limit. Great bank! I've been a member or over 10 years. I also carry auto insurance with them.
I've had a few emails from asking to apply.. They offered 12 0% on transfer and purchases. I use them as a main checking acct. my CS is low 600. I have 100% on time payments and few other cards. They approved me 2000k. FYI keep the email (if you get one) usaa didn't give me my 0% at first so I had to send in my offer email to prove the expiration date of the offer.