Credit Score: 783 Credit Limit: 18000 Age: 45-54

Posted 09/09 2015

I was online paying for a hotel stay and airline tickets. The cost was about $2000. I took out my wallet and typed in my USAA's card number. But the card was declined. And I do not understand why. My limit is $15000. And I've only charged $1000 to it. In order to avoid losing the seat and room, I took out my Visa from Chase and it went through!

 

Credit Score: 673 Credit Limit: 6000 Age: 35-44

Posted 05/03 2013

So I applied and got my first card with USAA. Score was 673 and had a $6000 CL. It was the holiday season and I went on a shopping spree. Spent close to the max. When it came to payment time, I wired money electronically from another bank account to USAA. After 3 days, I went for some last minute christmas shopping but card was declined. I found out the next day (after some angry calls with CSR) that they put my payment on hold for 7 days. They said that they needed to build trust since this was the first payment. What a load of bull. When I spoke to my bank, they were scratching their heads also. They said at most a 2 day hold if there was ever one!

 

Credit Score: 592 Credit Limit: 1500 Age: 45-54

Posted 11/13 2012

Ok - so I am quite happy that I got approved for this card despite having a lousy credit score. Having said that, the payment system is ridiculous. After I sent money from my banking account, it takes 7 days before the payment clears with USAA. That means if you are close to your credit limit the previous month, you have to wait 7 days before you can use the card. I simply don't understand how a big institution like USAA can have such a lousy system.