"Instant Dec W/ Generous CL"
USAA Rewards™ World MasterCard® Review
Written by: phynanciallysavvy on 2011-10-10
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
phynanciallysavvy's review: 
I've had a USAA checking acct since I was active duty (10 years ago), and after reading several FG user reviews of this card, I went ahead and applied online a little over a month ago. Received an instant decision OL: $10K @ 13.9%, with no annual fee and NO PENALTY APR! Was also given immediate access to $1K of my CL, as well as my acct #, pin & exp date. Haven't used the card though - primarily got it to build up my credit/credit worthiness... For now, at least.
When I applied, my plus scores were: EX 748, EQ 748, TU 700; and my existing LOCs totaled $16K, w/ 11% utilized. No negative items on CR. USAA only pulls EQ, but they report to all 3 CB's. USAA's iPad app is also the BEST personal banking app out there.
My ONLY negative comment about USAA/this card was the delivery time. I chose regular mail (free) vs. paying $14 to expedite (no way), and it took exactly 14 days from the date I applied until the day it arrived in my mailbox. That was a bit much, but it's not like I was in a hurry to go shopping with it...
I've had a USAA checking acct since I was active duty (10 years ago), and after reading several FG user reviews of this card, I went ahead and applied online a little over a month ago. Received an instant decision OL: $10K @ 13.9%, with no annual fee and NO PENALTY APR! Was also given immediate access to $1K of my CL, as well as my acct #, pin & exp date. Haven't used the card though - primarily got it to build up my credit/credit worthiness... For now, at least.When I applied, my plus scores were: EX 748, EQ 748, TU 700; and my existing LOCs totaled $16K, w/ 11% utilized. No negative items on CR. USAA only pulls EQ, but they report to all 3 CB's. USAA's iPad app is also the BEST personal banking app out there.
My ONLY negative comment about USAA/this card was the delivery time. I chose regular mail (free) vs. paying $14 to expedite (no way), and it took exactly 14 days from the date I applied until the day it arrived in my mailbox. That was a bit much, but it's not like I was in a hurry to go shopping with it...
3 Comments
Comment 1 by wanderer
Re: Instant Dec W/ Generous CL 
on 2011-10-10
Congrats! Great CL. Have the card and use it some. Rewards redemption is my option. Great company and customer service is top shelf.Also checking and savings. You may not know this, there is about a 20% no-preset on this account but, they call it an expanded merchandise limit. Also, USAA will report the main credit line so you don't get into that utilization challenge.
on 2011-10-10 Congrats! Great CL. Have the card and use it some. Rewards redemption is my option. Great company and customer service is top shelf.Also checking and savings. You may not know this, there is about a 20% no-preset on this account but, they call it an expanded merchandise limit. Also, USAA will report the main credit line so you don't get into that utilization challenge.
Comment 2 by kdb030609
Re: Instant Dec W/ Generous CL on 2011-10-16
Congratulations !!! Nice limit,apr and scores. USAA is definitely a top notch bank. There customer service is top notch. You will be served well by this bank!
on 2011-10-16 Congratulations !!! Nice limit,apr and scores. USAA is definitely a top notch bank. There customer service is top notch. You will be served well by this bank!
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Disclaimer: This content is not provided by USAA Savings Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by USAA Savings Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by USAA Savings Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by USAA Savings Bank. Review content is powered by Finance Globe.
