Reply
New Contributor
Posts: 53
Registered: ‎07-09-2008
0

What is your cred limit with USAA?

Got an offer in mail for USAA. I have scores of 702 TU and 697 EQ and wanted to get an idea of what kind of limit  Iwould receieve.

New Contributor
Posts: 58
Registered: ‎03-15-2009
0

Re: What is your cred limit with USAA?

do you have any baddies?

Frequent Contributor
Posts: 435
Registered: ‎09-13-2009
0

Re: What is your cred limit with USAA?

$9,000 CL

2 Year membership

went from $1500 to $9000 with a 696 EQ.

AAoA 1 year, oldest 2 year.

No baddies. $36k income

Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What is your cred limit with USAA?

#1 - $25k

#2 - $25k

#3 - $3k

IAALBNYL
New Contributor
Posts: 56
Registered: ‎11-16-2008
0

Re: What is your cred limit with USAA?

My scores are all 727 I have Amex with them for 15K and World MC for 5k. When I got the 5K the LO said it was low because I just opened the AMEX and a PL, but to call in 6 months and they will review for  a CLI. I just logged in today and got another offer from them for a CC pre Approved for 25K. Not taking it just yet though:-)

Frequent Contributor
Posts: 274
Registered: ‎12-31-2008
0

Re: What is your cred limit with USAA?

What other products do you have with them?  How long have you been a member?  Is this your first card?  Are you a "full member"?

 

USAA can be quite generous with limits and if you don't get one intitally, they will raise them when you call in.

 

I think I was approved for $6k for my first card with them and that went to $12k and then now is $24k in the time span of 2 years...however, my second card with them I had been a member longer and have more products so I approved for $14k right away.  That being said, they have some kind of internal limit and with the new laws...there is a max they will allow you to have for your income level across all their products.

 

But you should be able to get at least $3k-$5k with them with those scores if you have other products and a long history with them.

 

Finally, don't forget to check online first and see if you have any offers there.

 

Good luck!

Current Scores: EQ: 740 (2/7/13)


Starting Score: 799
Current Score: 762
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
Posts: 832
Registered: ‎01-16-2008
0

Re: What is your cred limit with USAA?

Limited member

No other accounts

No history with them

Income = 63K

Clean reports

Approved in March for 14,200

High APR though - 18.9%

 

See scores below

 


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What is your cred limit with USAA?


Itsmeagain wrote:

Limited member

No other accounts

No history with them

Income = 63K

Clean reports

Approved in March for 14,200

High APR though - 18.9%

 

See scores below

 


That there is a difference in interest rates between full members and limited members seems to be a common occurrence. 

 

IAALBNYL

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.