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USAA Cards

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HYPASS33
Frequent Contributor

USAA Cards

Does anyone know if USAA will combine limits onto just one card or is it best to have two and let them both grow?
Message 1 of 10
9 REPLIES 9
DontEatMyFriends
Established Member

Re: USAA Cards

I haven't had any luck doing that with them in the past.  Though they've always been more than happy to approve me for another credit card with 6k+ limits.  I'm also a bit skeptical about their CLI process as every time I've called I have been told by CSRs "reviews are done twice a year, and I can't authorize an increase at this point".  I've had insurance with them for 10 years, and cards with them for 2.  During those 2 years FICO scores have jumped an average of 70 points, and verifiable income has gone up about 27%.  Mine may not be the best situation to compare to, but I personally prefer NFCU.  I treat them right (prepaying loan balances, never missing payments, treating CSRs like people I like [because I do actually like them], etc.), and they return the favor (offer to get adjusters on the line instead of me requesting, never been denied for a loan/cc/loc/cli, willing to review CC APR's every 6 months to make sure I'm getting the best rate, able to transfer limits with a quick 15 minute phone call).  I treat the USAA people the same way, but it seems to me as if they rather you just sign up for something new (pressure for numbers I'd guess).  If I wasn't already married, I'd sure try to put a ring on NFCU's proverbial finger.  Smiley Happy  as always, just my 0.259 cents.



In the garden until they run out of veggie burgers.
Message 2 of 10
09Lexie
Moderator Emerita

Re: USAA Cards

Message 3 of 10
HYPASS33
Frequent Contributor

Re: USAA Cards

Noo not me! I have two cards with USAA and I just figured be easier with one card combining CL than two. But I guess it's better to have 2 trade lines right? I was bored so it got me thinking which is always bad. lol
Message 4 of 10
09Lexie
Moderator Emerita

Re: USAA Cards

Just double checking. You are on my list of those I have to keep a close eye on! Lol
Message 5 of 10
HYPASS33
Frequent Contributor

Re: USAA Cards

lol.
Message 6 of 10
asphaltcowboy
Valued Contributor

Re: USAA Cards


@09Lexie wrote:
Just double checking. You are on my list of those I have to keep a close eye on! Lol

@Anonymous,

You are always so on itSmiley LOL

You have such a keen eye for "those" posters that are serious violators,

@eh, @HYPASS33Smiley LOL


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 7 of 10
HYPASS33
Frequent Contributor

Re: USAA Cards

Me a vilolator?? Nooo not me! Smiley Happy
Message 8 of 10
09Lexie
Moderator Emerita

Re: USAA Cards

Message 9 of 10
HYPASS33
Frequent Contributor

Re: USAA Cards

Smiley Happy
Message 10 of 10
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