I have been disappointed with USAA on numerous occasions, actually more than satisfied. It appears they have no loyalty to tenured members and tend to stick with policy regardless of whom it is. I have had a Secured Mastercard for more than a year and make more than the minimal payment sometimes half the balance. You would think they could tender an offer for an unsecured card for maintaining a good history. But no, if you do not have a FICO score higher than 700 you aren't getting squat from USAA regardless of your tenure and payment history. However, they will be more than happy to sell you an insurance policy!!! (Fubar)
What's it matter if the card is unsecure or not? I've had what I'm guessing is a secured card for around 5 years, I haven’t taken the time to check, nor have I taken the time to worry about the fact. This sounds more like a crazy rant than someone talking to their bank.
Unless of course you have gone Conservative!
I'm sorry to hear that you're frustrated. Minimum credit scores are a typical practice for any bank.
If you have additional questions feel free to reach out to a member services representative at 1-800-531-8722.