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Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
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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?
Established Member
DontEatMyFriends
Posts: 20
Registered: ‎03-22-2010
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Re: USAA Cards

[ Edited ]

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.  :smileyhappy:  as always, just my 0.259 cents.



In the garden until they run out of veggie burgers.
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09Lexie
Posts: 25,410
Registered: ‎09-13-2012
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Re: USAA Cards

Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
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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
Moderator
09Lexie
Posts: 25,410
Registered: ‎09-13-2012
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Re: USAA Cards

Just double checking. You are on my list of those I have to keep a close eye on! Lol
Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Re: USAA Cards

lol.
Valued Contributor
asphaltcowboy
Posts: 1,124
Registered: ‎02-03-2013
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Re: USAA Cards

[ Edited ]

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

@Lexie,

You are always so on it:smileylol:

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

EH, @HYPASS33:smileylol:



Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Re: USAA Cards

Me a vilolator?? Nooo not me! :smileyhappy:
Moderator
09Lexie
Posts: 25,410
Registered: ‎09-13-2012
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Re: USAA Cards

Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
0

Re: USAA Cards

:smileyhappy:

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