Reply
New Contributor
Posts: 227
Registered: ‎06-09-2012
0

USAA CLI

Ok, to start out "YES" I was suppose to be in the garden untill JAN 13.  I have had my USAA Credit card for 8 months and have yet to get a CLI on it, so I decided to message them today and request a line from 1k to 7.5k to match my navfederal c.c. (my score has jumped about 100 points since I got the USAA card, which also let me up my nfcu card from 2k-7.5k).  I requested it today (2pm), how long does it normally take for them to respond/counter offer?  I am headed back into the garden, waitin for JAN and should be in mid 700's!

Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: USAA CLI


skyisthelimit wrote:

Ok, to start out "YES" I was suppose to be in the garden untill JAN 13.  I have had my USAA Credit card for 8 months and have yet to get a CLI on it, so I decided to message them today and request a line from 1k to 7.5k to match my navfederal c.c. (my score has jumped about 100 points since I got the USAA card, which also let me up my nfcu card from 2k-7.5k).  I requested it today (2pm), how long does it normally take for them to respond/counter offer?  I am headed back into the garden, waitin for JAN and should be in mid 700's!


Dunno - I requested one but I did it over the phone and got instant approval.  Cost me a hard EQ pull, though.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

New Contributor
Posts: 227
Registered: ‎06-09-2012
0

Re: USAA CLI

[ Edited ]

Just got this message

 

Thank you for your recent message regarding your Classic Platinum MasterCard ending in ####. Please be advised that your account is not eligible for a credit limit increase. 
 
Your account will be reviewed after it has been established for 18 months. If your account qualifies for an upgrade at that time, your account will then become eligible for the following:

  • Balance Transfer
  • Change Rewards Program
  • Increase My Credit Limit
  • Order Convenience Checks

 

 

 

We value your business and the opportunity to serve all your financial needs.

Thank you,
[name redacted]
USAA

 

 

----

I was approved for a NFCU visa signature (5k) a few months ago and a (2k-7.5k) increase on my Nrewards, was also told that I can request another increase in 6 months.  Has anyone else had this issue with USAA.... 18 months????  Granted at the time I got the card I was high 500's, but now I am almost at 700 and have these other cards.......Well keeping the card, will have to wait untill next year for the increase (keeping it paid off too).

Established Contributor
Posts: 536
Registered: ‎08-26-2008
0

Re: USAA CLI


skyisthelimit wrote:

Your account will be reviewed after it has been established for 18 months. If your account qualifies for an upgrade at that time, your account will then become eligible for the following:

  • Increase My Credit Limit

 

So it sounds like (?) after 18 months, instead of being eligible for an automatic CLI you will instead be eligible for an opportunity for you to request that they review your account to consider it for a CLI.

 

New Contributor
Posts: 227
Registered: ‎06-09-2012
0

Re: USAA CLI

correct, but I had read several threads about automatic CLI at the 6 month mark or people requesting CLI.  Maybe mine is a "special" account due to the score I had at the time of applying (maybe like my CAP 1 card) and maybe was flagged for no change for the 18 months...It seems like a long time to have the card before the increase or anything changes.  I really was looking for the CLI to help me in JAN for my next and final cards for a few years (possibly if I needed to recon I could show the usage on 3 cards over 5k for the past 5-8 months).  Well back to the Garden untill JAN for me!

Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: USAA CLI

At the 6 month mark, call customer service.  That's what I did.  But be prepared for HP.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.