Well, after 7 years of exclusive association with USAA, my husband and I are going to take our checking, savings, CD, credit card, and auto insurance needs somewhere else. Despite the fact that our credit scores are in the 700’s, and we have EXCEPTIONAL payment histories on all of our accounts (including our USAA credit card)—meaning ZERO late or missed payments on anything, ever. A minuscule debt-to-income ratio and near-zero balances on all of our accounts. Eight years at my husbands employment and 10 years for mine as the owner of a successful litigation consulting business, USAA just denied our application for a new car loan (and not a very large one, at that). And put a 4-point ding in our FICO scores with their useless inquiry. I don’t even know why I came to USAA for the loan when the dealership is offering 1.5% less interest loans, except that we were loyal to the brand and wanted to keep our business here. Well that is no more. Very disappointing.
