![]() Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. As a partial member, you don't have much in the way of perks - no car loans, no insurance, evidently no credit card(s).At Bankrate, we have a mission to demystify the credit cards industry - regardless or where you are in your journey - and make it one you can navigate with confidence. I was not informed when I first joined USAA that I was considered a partial member. And, approved for a credit card with a $25,000 limit. One of the reasons I closed my USAA checking and savings accounts and went with NFCU where I am treated as a member with full benefits. I was a partial member of USAA for several years and was never approved for a credit card. I just really need a decent limit on a MC/Visa, so I guess after that it's off to the garden. I'm definitely interested in taking things slow, hence me gardening after opening this card. Yeah there a few MC/Visa cards I have in mind, so I hope to be posting about an approval soon! Thanks, UncleB! I even waited until my 3k limit was reporting so that I could potentially get a high limit with USAA. others have said that at times HPs can take a day or so to show up on the monitoring sites, so there's still a chance you'll see the HP even though it's not there now. Note: I could be wrong, but I don't feel the denial was caused by a membership issue. You'll be able to get a MC/Visa card fairly easily with your scores, and in time you'll be able to get that USAA card as well. That's good news, since there are other companies that won't be as picky with AAoA as USAA apparently is.Īgain, I'm sorry to hear things didn't work out, but hang in there. Since you mention you have low inquiries, I suspect the 'real' issue is low AAoA. just hang on a bit longer, you'll get there.) Linked to your USAA checking account, a credit card with them can be very useful. (I know if it were me, I would be strongly tempted to say "to hell with them" and write them off completely. I suspect once your AAoA is a little higher you'll be welcomed with open arms at USAA. significantly lower than yours.Īs lousy as this is, the good news is that the remedy will require nothing from you but patience. In my case I still had some 'baddies' showing up, but I didn't have any inquiries and I had no new accounts at all (my handful of accounts were all several years old AAoA at that time was around seven years). my own approval with them was when my own profile was much more 'shaky' than yours. My utilization is 1 perceht, so I'm pretty stunned at this rejection. ![]() ![]() ![]() I definitely need a Visa/MasterCard (with not a toy limit) and ASAP, so now I'm off to see what I want to apply for. I only have one inquiry since April, the rest are from November and earlier. My plan was to garden for 1+ year after getting these two USAA cards. My current cards are the Capital One secured ($500 limit) and the Delta AmEx ($3k limit). I wonder if that is the real reason? Even though I was able to apply? A while back, I was blocked out from accessing the credit card section of the website and was told that partial members could no longer apply for their credit cards, but my access was reinstated a few days later. I've been a partial member of USAA for 6 years. I thought for sure I'd get approved, my only worry was how much of a limit I would get. My scores are over 700, but I only have 10 months of credit history. Length of time accounts have been established.We regret that we cannot approve your application for the following reasons: ![]()
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