I got approved for USAA MC $ 15k CL on Tuesday, 1/12. By today, 1/14 it was already on my Equifax as available credit $ 15k , 0 balance. It took my utilization down from 34% to 27%. Actually, my util would have been closer to 67% because my Cap one balance $ 4k reported on the same day the USAA CL reported. If USAA had not made it on there, my utilization would have gone from 34% to 67%. Instead it went down to 27%. My score did not change.