Coming up on 6 months with USAA, time for CLI?

[Jarrodpd]

I have had my USAA mastercard for about 6 months now, every month I pay in full and dont carry a balance. SInce I started being active on this forum about a month ago I then learned about the whole 61 days with Amex, but still unsure about how USAA works. 

A quick run down of things on my report from the last month, before this there was barely anything on my report except the two USAA mastercards I have.

I applied for two new Amex cards approved for both

And last week got a auto loan/lease

What do you guys think? Should I go for one or should I wait for everything to age? ALso would it be a soft pull or hard pull?

[msbia]

As long as you are past the six month mark you should be good. I sent secure messages with my income and housing status and they approved my CLIs within 24 hours. I was like 6 months and 4 days in. Good luck to you!

[Jarrodpd]

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@msbia wrote:
As long as you are past the six month mark you should be good. I sent secure messages with my income and housing status and they approved my CLIs within 24 hours. I was like 6 months and 4 days in. Good luck to you!

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Thanks for the information, I will look into if the account is actually past 6 months of age. If I'm not it should be relatively soon.

[takeshi74]

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@Jarrodpd wrote:

I have had my USAA mastercard for about 6 months now, every month I pay in full and dont carry a balance.

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While that can help your overall credit and your income are what matter.

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@Jarrodpd wrote:

ALso would it be a soft pull or hard pull?

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Hard.  If you're going to assume then always expect a hard regardless of creditor (aside from those that are known softs).

[msbia]

+1 Takeshi74

My Experian that they pulled showed 704 I think. I have a paid tax lien and paid collection. I also have a 4 year relationship with them, an a veteran and have several products including car loan, auto and life insurance, checking and savings.

[msbia]

Hard pull each app.

[Jarrodpd]

Thanks for all of the advise. I dont really need a CLI, so I may just wait till next year that way im not getting to many pulls in a months time frame. Hopefully by then they will automatically raise the limit.

[alvon123]

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@Jarrodpd wrote:

Thanks for all of the advise. I dont really need a CLI, so I may just wait till next year that way im not getting to many pulls in a months time frame. Hopefully by then they will automatically raise the limit.

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I would go for the cli.on your USAA Platinum Mastercard: They do grant a increase every 6 months. They will pull Equifax for the cli and it will be a hard pull..

If you call in;  ask if your account is elgible for a credit limit increase and they will let you know before they pull your report.

Tip: make sure your overall utilization is low before you ask for the cli.

[Anonymous]

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@alvon123 wrote:

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@Jarrodpd wrote:

Thanks for all of the advise. I dont really need a CLI, so I may just wait till next year that way im not getting to many pulls in a months time frame. Hopefully by then they will automatically raise the limit.

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I would go for the cli.on your USAA Platinum Mastercard: They do grant a increase every 6 months. They will pull Equifax for the cli and it will be a hard pull..

If you call in;  ask if your account is elgible for a credit limit increase and they will let you know before they pull your report.

Tip: make sure your overall utilization is low before you ask for the cli.

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+1

This does seem to be a major factor. I have been denied all 3 times I requested over 18 months for CLI due to high util.

Edited to add: In fact, I have been denied everything I ever requested from USAA except my one initial card due to high util. Car loan and PLOC along with the CLIs

[Jarrodpd]

Just to give a follow up, I called a few minutes ago and I will have officially had my card 6 months the 20th of this month. Do I need to wait for the 6 month and 1st day? Also I have never carried a balance on my card, also with the excpetion of one month, I pay the card off in full before the check even printed.