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What is your cred limit with USAA?

New Contributor

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.

Message 1 of 8
7 REPLIES
New Contributor

Re: What is your cred limit with USAA?

do you have any baddies?

Message 2 of 8
Established Contributor

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

Message 3 of 8
Senior Contributor

Re: What is your cred limit with USAA?

#1 - $25k

#2 - $25k

#3 - $3k

IAALBNYL
Message 4 of 8
New Contributor

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:-)

Message 5 of 8
Frequent Contributor

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
Message 6 of 8
Established Contributor

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
Message 7 of 8
Senior Contributor

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
Message 8 of 8