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Was just approved for both USAA Credit Cards. 2000 limit for both. I have had there secured CC for over a year and these are my first unsecured cards in 5 years
Should I try for any other credit cards? Currently I only have those 3 cards...
Congrats on your new cards
Congrats! In my opinion I would show at least 6 months usage on your current cards with the scores you have in your signature. Thanks for sharing.
Congrats on your new cards. Garden for 6 months at least. Then you should be in a better position for more cards with higher limits!
Thanks guys! I saw your messages to late. Denied for Discover it.
At what point do I ask for a CLI?
BLEETY17,
Here is what I know about USAA. I applied for a CC back in late 2013 for their low rates to replace my Chase card which was at 17.9%, My true FIco was / is low 800´s. Equifax made a big mistake and showed ¨No Score¨ for me and as a result, USAA gave me a Visa with $500 CL. I then fell out of my chair.
When I called and spoke to someone in the exec office about the problem, this is what I was told.
1. USAA always pull from Equifax on initial credit apps, no exceptions
2. USAA will under no circumstances consider a credit line increase for 180 days, regardless of the reason (Even the SNAFU caused by Equifax)
3. If you ask for a CLI after a minimum of 180 days, they pull your data from Experian,
4. ¨Usually¨, and that is the key word here USUALLY, on a CLI, it will be 100% of your current limit. In your case 2k would go to 4k.
After about 60 days of talking/fighting with Equifax to get the problem fixed, I called USAA back, As suggested by the rep in the exec office, I CANCELLED MY $500 CL CARD (Due to the 180 day CLI rule), waited two days and applied for the Wounded Warrior Mastercard. I was approved for 14K at 11.9 % ....Note this card has a 2 point higher APR because it supports WWP. I am a disabled veteran and I would ask EVERYONE to get this card and use it once in a while.
One month later, I applied for their simple Mastercard (lowest possible APR 6.9%), I was approved for 15K with a 7.9 APR.
ALL THIS SAID, as I mentioned earlier about USUALLY on a CLI, in MY case, I can´t imagine that if I were to ask for a CLI in 180 days that they would increase my CL from 15K to 30K and 14K to 28K,, but who knows.BUt knowing that I know about USAA´s credit line limits, you will probabl have no problem getting the 100% increase.
ALSO, from that I understand (not confirmed) USAA´s limits is THREE cards, so if true, you would need to cancel your secured card to get a third unsecured card from USAA.
Have you tried NAVY FEDERAL CU? They are really good to service members and retired Vets
HOPE THIS INFO HELPS !
@Bleety17 wrote:Was just approved for both USAA Credit Cards. 2000 limit for both. I have had there secured CC for over a year and these are my first unsecured cards in 5 years
Should I try for any other credit cards? Currently I only have those 3 cards...
Congrats on the new cards!
I forgot to mention i applied for a NFCU card. I was told it had to be reviewed..
got a message todaying saying "Congratulations! Based on your creditworthiness, you have been approved for a goRewards Visa credit card. Your new credit line will be $12,500.00."
SOOOO HAPPPYY! NOW its time to garden!