I have applied for credit cards with usaa also applied for a car loan and was denied. I have an account with Navy Federal credit union and they are so good. They gave me not 1 but 2 credit cards with the limits of 4000 and 2000 . Also I have a loan with another institution and navy federal gave me another loan when usaa told me no. Iam planning to close my account with Ussa ang go with navy federal .