USAA membership is generally limited to active duty, retired, or honorably separated veterans of the U.S. military, as well as their eligible family members. However, once you are eligible for membership, getting approved for USAA's products and services is generally not difficult as long as you meet the company's underwriting and eligibility requirements.
For example, suppose you apply for a USAA credit card. In that case, the approval process will typically involve a review of your full report, credit history, income, and other factors that may impact your ability to repay the debt. If you meet the credit criteria for the specific card you are applying for, your application will likely be approved. Similarly, if you apply for an auto or home insurance policy, the approval process will depend on factors such as your driving record, credit history, and other risk factors.
In general, USAA is known for its competitive rates and willingness to work with its members to find solutions that meet their individual needs and budget. So while there may be certain eligibility requirements for USAA membership, getting approved for the company's products and services is generally not difficult once you are a member.