The USAA credit card requirements differ based on what card you want to apply for. So, for instance, their USAA Secured Visa Platinum card is accessible to people with bad credit. But they don't graduate and you have to reapply for another card when your credit improves. Their USAA® Rewards American Express card is only available to applicants with good credit, so a score of 700+ is required. They pull Equifax credit data and if you are denied they may give a counter offer.
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