USAA Amex

[Anonymous]

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@Anonymous wrote:

I just want a high enough CL, that if I need a new transmission or engine. I can swipe my card if push comes to shove... $1,500 will not do it, but $3,000-4,000 probably will... Ford Racing has some nice engines that will fit in my old Ford...

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Be careful of your utilization.  High utilization will often get you shot down for new credit.

Anything about 25% and you are starting to look for trouble, though many people on the forum keep theirs as low as 5% or lower.

[haulingthescoreup]

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@drsmith wrote:

Well I logged into USAA and was preapproved for the World Mastercard

Submitted my application and was instantly approved with a CL of $7000

Not bad considering capital one wouldn't raise my CL from $750 today

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Congrats! And the World version, too.

And btw, unlike many other World cards, this one does report the CL and will help your util.

[drsmith]

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@haulingthescoreup wrote:

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@drsmith wrote:

Well I logged into USAA and was preapproved for the World Mastercard

Submitted my application and was instantly approved with a CL of $7000

Not bad considering capital one wouldn't raise my CL from $750 today

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Congrats! And the World version, too.

And btw, unlike many other World cards, this one does report the CL and will help your util.

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Excellent as that was really my goal. It's very hard to keep a low utilization with one credit card and a $750 limit haha

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I just want a high enough CL, that if I need a new transmission or engine. I can swipe my card if push comes to shove... $1,500 will not do it, but $3,000-4,000 probably will... Ford Racing has some nice engines that will fit in my old Ford...

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Be careful of your utilization.  High utilization will often get you shot down for new credit.

Anything about 25% and you are starting to look for trouble, though many people on the forum keep theirs as low as 5% or lower.

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I understand this, but at my age (lack of history) and credit score. I can't see getting a $10,000-15,000 CL. $1,500 is almost worthless trying to keep a low utilization. The 63 Ford is my current daily driver, I need a new radiator and brakes. That put me out at 80%.... I am in between jobs, I have an interview today, tomorrow and another on Thursday. I am more then confident one of them will give me a bite.