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USAA APP ROCKS!

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efranklin23
Valued Contributor

Re: USAA APP ROCKS!


@awp317 wrote:

usaa

 

 

Just for fun checked tonight, I had not had the option before. Tonight I did however said "change my limit" has the option in icrease or decrease, super simple, entered my income, clicked the button and it came back approved for 35K!!! So a 10k bump for 10 seconds work. Now wondering navy federal would let me join with the same requiredments I used to join USAA, might be time to give them a check if so. I have had this card since July of 2011 if that matters, approved for 19,500. Now what I find funny is last year I called in for a CLI and was told 25k was the max they did per account and that it was a new policy they started. I guess that policy changed or the app can circumvent that some how. IDK. I wont ask. 

 

. edit, apologize, not sure how to post pics.  Just trying to show how the app looks. edit again, I DID IT, lol


congrats on the CLI. How long did you have the account?

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 11 of 25
awp317
Frequent Contributor

Re: USAA APP ROCKS!


@efranklin23 wrote:

congrats on the CLI. How long did you have the account?


As I recall I opened it in july of 2011. was given a 19,500 limit, got that increased to 25k summer of 2013, and now to where it is. Im hoping in another 6 months to a year to be able to ask again, Curious to see how high they will take it. I would love to have a couple 50k cards before 2015.  

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 12 of 25
ptilda
Established Contributor

Re: USAA APP ROCKS!

Nice! Good work.
My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Message 13 of 25
H4LO
Established Contributor

Re: USAA APP ROCKS!

Wow. Congrats OP.

Wish I could share the same ethusiasm.

 

When I got the card, it had a limit of $250. 180 day CLI was no go. 1 YR CLI was $250 increase.

 

Sockdrawered. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 14 of 25
CreditMagic7
Mega Contributor

Re: USAA APP ROCKS!

Nice! USAA result!

 

Congrats! Smiley Happy

 

 

Message 15 of 25
Sooners2013
Regular Contributor

Re: USAA APP ROCKS!

Do you know if it was a soft or hard inquiry?  What was your score, inquiries, and utlization if you dont mind sharing? 

Message 16 of 25
H4LO
Established Contributor

Re: USAA APP ROCKS!


@Sooners2013 wrote:

Do you know if it was a soft or hard inquiry?  What was your score, inquiries, and utlization if you dont mind sharing? 


IIRC all CLI's are HPs. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 17 of 25
wreith
Frequent Contributor

Re: USAA APP ROCKS!


@H4LO wrote:

@Sooners2013 wrote:

Do you know if it was a soft or hard inquiry?  What was your score, inquiries, and utlization if you dont mind sharing? 


IIRC all CLI's are HPs. 


Yes they are.  Even using the App, which I did which resulted in a denial Smiley Sad(

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 18 of 25
awp317
Frequent Contributor

Re: USAA APP ROCKS!


@Sooners2013 wrote:

Do you know if it was a soft or hard inquiry?  What was your score, inquiries, and utlization if you dont mind sharing? 


 

Definatly a hard, it warned me before hand, but USAA is always good to me so I figured it was worth it (and it definatly was). I have a TON of inquries. 30 on equifax 19 on experian and 7 on transunion. 

 

Not sure my Ex or Eq, but my Tu according to discover is 761. Reported utilization is abotu 19% right now. AMex is still reporting my balance even though its paid, I guess im on one of those 3 month reporting spells. Also have about 11k on my CSP right now. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 19 of 25
awp317
Frequent Contributor

Re: USAA APP ROCKS!

well oddly enough the "change limit" is showing again on the credit card app with the option to increase again. Havent even had this limit for a month, tempted to try. But would like to wait 6 months just to be safe. Just figured I would let usaa people know the app resets pretty quickly. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 20 of 25
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