Credit Score: 535 Credit Limit: 1000 Age: 35-44

Posted 03/16 2015

I went ahead and got this card with a bigger deposit that I had been saving. I like that the deposit is held in a CD so it's still earning something. The problem though is that I can't take it out and I don't want to close the card. I guess it doesn't hurt anything to let it sit there for a couple years and in the end I'll have better credit which is worth it.

 

Credit Score: 600 Credit Limit: 775 Age: 45-54

Posted 03/16 2015

I love the customer service at USAA and I've been pretty happy with all of their products including this card. My husband and I have had some credit issues and have spent years rebuilding and we can qualify now for unsecured cards. I like this card though because it not only helps us built our credit, but we can't get into any trouble or we lose our security deposit. I guess you can say it keeps us on track. I do want to mention that this card is better than the American Express card if you travel a lot with the military. A friend of the family had one and ran into problems using it sometimes overseas.

 

Credit Score: 635 Credit Limit: 1000 Age: 35-44

Posted 03/16 2015

My credit score went up within the first three months. Great card even without any extra benefits. Never had any problem with customer service at USAA. I am a long time member and finally at a point in my life where I want to clean up my finances and plan on using my credit wisely.

 

Credit Score: 520 Credit Limit: 500 Age: 35-44

Posted 03/06 2015

I am also in the process of rebuilding my credit. Around 2006 I got a divorce after finding out my ex had racked up a ton of debt on our credit cards. Like totally maxed out and also none of the bills were being paid. I even had some accounts in collections that I didn't know about. I started trying to fix my credit around 2008 and since I was a USAA member, I was able to get the secured card, even with my credit score in the 500s. Since then my credit score has increased into the mid 600s but I am still paying off a lot of stuff. The greatest benefit of this card is it helps you fix your credit especially when other cards won't take a chance and give you credit. I can now qualify for other cards without a security deposit but I am keeping this one to so my credit rating continues to increase and after everything is under control I plan on getting a rewards card. As I said, I am a USAA member so I have a lot of experience with their customer service, which has always been super helpful when I have needed them.

 

Credit Score: 520 Credit Limit: 500 Age: 35-44

Posted 03/06 2015

I just filed bankruptcy so I really didn't think I'd be approved for anything for a long time. Luckily, I have this card for purchases that require a credit card and maybe my credit rating will increase a little faster. Feeling like I get a chance to start over and grateful to USAA for all of the help and for giving me the opportunity.

 

Credit Score: 520 Credit Limit: 500 Age: 35-44

Posted 03/06 2015

I am also in the process of rebuilding my credit. Around 2006 I got a divorce after finding out my ex had racked up a ton of debt on our credit cards. Like totally maxed out and also none of the bills were being paid. I even had some accounts in collections that I didn't know about. I started trying to fix my credit around 2008 and since I was a USAA member, I was able to get the secured card, even with my credit score in the 500s. Since then my credit score has increased into the mid 600s but I am still paying off a lot of stuff. The greatest benefit of this card is it helps you fix your credit especially when other cards won't take a chance and give you credit. I can now qualify for other cards without a security deposit but I am keeping this one to so my credit rating continues to increase and after everything is under control I plan on getting a rewards card. As I said, I am a USAA member so I have a lot of experience with their customer service, which has always been super helpful when I have needed them.

 

Credit Score: 0 Credit Limit: 300 Age: 25-34

Posted 01/27 2015

My credit was so bad I couldn't qualify for a secured card with my bank so I opened an account with USAA and was approved for the secured Mastercard. I just want to add that there is a 7 day hold on the deposit so make sure you don't need your money right away.