Boom! USAA Trades a INQ for Double CLI

[Anonymous]

I waited my 6 months and called USAA for a CLI. They doubled it 6 months ago and then again today. Opened 1/11 at $3000, jumped to $6000 at the end of July and today to $12,000 which is my highest limit by far.

myFico score watch is at 681 and I have a 2 old (2007ish) 30 day lates from a VW auto lease that was paid in full and closed 2009. My total utilization on all cards is +/-20% and I had a $300 balance on the USAA card today. I have a checking account with them. I have 6 inqs all from 2011. They pulled EQ.

My other cards, limits and year:

Citi$40002004

Chase$300012/11

Amex Plat$10600 high balance7/2011

Amazon, Walmart, Lowes all +/- $20001/2011

BMW Auto$30k owe $232010

USAA Motorcycle $7k owe $5k2011

I hope this is enough information for others here to make an informed CLI request. 

Thanks USAA

[p-]

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@Anonymous wrote:

I waited my 6 months and called USAA for a CLI. They doubled it 6 months ago and then again today. Opened 1/11 at $3000, jumped to $6000 at the end of July and today to $12,000 which is my highest limit by far.

myFico score watch is at 681 and I have a 2 old (2007ish) 30 day lates from a VW auto lease that was paid in full and closed 2009. My total utilization on all cards is +/-20% and I had a $300 balance on the USAA card today. I have a checking account with them. I have 6 inqs all from 2011. They pulled EQ.

My other cards, limits and year:

Citi$40002004

Chase$300012/11

Amex Plat$10600 high balance7/2011

Amazon, Walmart, Lowes all +/- $20001/2011

BMW Auto$30k owe $232010

USAA Motorcycle $7k owe $5k2011

I hope this is enough information for others here to make an informed CLI request. 

Thanks USAA

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I got an increase from 3k to 6k at six months as well...  That appears to be the magic time window with them.

[LS2982]

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@p- wrote:

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@Anonymous wrote:

I waited my 6 months and called USAA for a CLI. They doubled it 6 months ago and then again today. Opened 1/11 at $3000, jumped to $6000 at the end of July and today to $12,000 which is my highest limit by far.

myFico score watch is at 681 and I have a 2 old (2007ish) 30 day lates from a VW auto lease that was paid in full and closed 2009. My total utilization on all cards is +/-20% and I had a $300 balance on the USAA card today. I have a checking account with them. I have 6 inqs all from 2011. They pulled EQ.

My other cards, limits and year:

Citi$40002004

Chase$300012/11

Amex Plat$10600 high balance7/2011

Amazon, Walmart, Lowes all +/- $20001/2011

BMW Auto$30k owe $232010

USAA Motorcycle $7k owe $5k2011

I hope this is enough information for others here to make an informed CLI request. 

Thanks USAA

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I got an increase from 3k to 6k at six months as well...  That appears to be the magic time window with them.

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Congrats!!!

[dharalex]

Hip, hip, hooray for you! So was it a HP for each cli? I will be applying for this card in 9/2012...just waiting for 2 inq to fall off.

[Anonymous]

CONGRATULATIONS!!!  

[RockinRay]

Congrats! 

[Anonymous]

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@dharalex wrote:

Hip, hip, hooray for you! So was it a HP for each cli? I will be applying for this card in 9/2012...just waiting for 2 inq to fall off.

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The CLIs were both hard EQ pulls. I had a few when I applied and since yours appear old I'd go for it now...

P-
Six months is the established wait time according to anecdotal and personal experience.

LS/Dicern/Ray-

Thanks for the kudos. 

[bichonmom]

Congrats! That's a great CLI. Are you a full or partial member?