I just called to see about doing a product change from the USAA Rewards™ Visa Signature® Card to the Limitless™ Cashback Rewards Visa Signature® Card. The representative that I spoke with was very kind and she asked a colleague or supervisor if this would be possible, but she was advised that I would need to have my credit run and my history from my previous card would not carry over. I don't understand why this would not be possible, considering they are both Visa Signature Rewards products. This is not an issue with any other issuer that I deal with that has multiple products. I don't need two Visa Signature cards if one has inferior benefits to the other. I think this is a ridiculous policy, and you can count on me using this card hardly ever going forward. I've already tranferred my balance to my local credit union, lowered my limit, and opened a Chase Sapphire Preferred. Offer better rewards and benefits, and allow product changes so consumers can keep their history without having a bunch of unused cards, then we can talk.
Hi cgillotte! Thank you for posting to the Community. I'm sorry to learn that we were unable to meet your credit card needs at this time. The Visa card terms and conditions are set up for a specific Reward programs with USAA. Unfortunately, they cannot be changed. However, please know that we always value customers who are keen to give us their feedback. Therefore, I'll be sure to pass on what you have told me to the appropriate areas to help us improve our services to you and do hope you consider doing business with us in the future. ~ Stacy
This is compleate BS. Every other credit card issuer allows product changes. I really would like to change to the base preffered amex since I do most of my shopping on post. Time to look for new banking options. USAA is falling behind the times.
cgillotte, we appreciate your additional post. I will be engaging a team of specialists to review your concerns and follow-up with you to further discuss. We look forward to speaking with you. Thank you. -Meredith
(Opens a pop up layer) Contributor
I feel your pain.. I inquired for a little credit line increase on my Visa card AFTER I recived a mailing from the President stating Congrates .. your interest rate has been lowered and you qualify for a credit increase .. BS, So I did inquire for a small one like a extra 1000.00 The people who seem to be underwriting aka: bean counters and desk jokers sent me a letter ..Sorry can't do it . What away to treat a vet who came to USAA and a member for 3 yrs with House and Car Insurance and Banking and CC . Oh , We are competive for all Veterans..REALLY , Well I canceled all except CC since that will hurt my credit score. I recieved a better deal outside USAA . I recieved a CC AGAIN outside source with much lower APR and a very high credit line alot more than the 1000.00 I wanted. and just recieved another one even higher . Strainge , in the mean time I even purchased a new 2017 car with zero apr . WOW .. I guess I do have a very nice Credit score after all but USAA doesn't seem so.
Yes, I ranted but felt there are others who have also had the same unfair dealings with a USAA Credit Card. Funny thing is, everyone at USAA I talked to about this situation seemed to only say "Thank you for your feed back and It will passed along " Do the ones in the Ivory Tower really see or care ?
I have run into the same issue. USAA reduced the cash back on a card I've had for over a decade and I tried on several occasions to do a product change, which I've done with other banks. The fact that they have different terms is not a reason to refuse to switch. If you apply for a new card, you must agree to the terms the same as if you are doing a product switch. They are both Visa cards with the same bank so there is no excuse for not switching. I'm not going to open a separate Visa with USAA and leave a second card, which has a long credit history, sitting unused because USAA refuses to provide basic customer service. I've had to stop using USAA due ridiculous rates for home and auto insurance when I moved to a different state. I've also ceased using them as my bank once I stopped using the card due to the refusal to do a product change, which other banks agree to do. I was a loyal user of USAA for home, auto, life, banking, and credit card for years, but it no longer offers competitive products or customer service.
@JGMD your feedback on this topic is important to us. I will be glad to forward it on for review. If after review they need to contact you, they will utilize the information in your profile to do so. Thank you. ~ Suzy