topic USAA Limitless $11,000 CLI in Credit Card Approvals

USAA Limitless $11,000 CLI

Gmood1 — Wed, 05 Jul 2017 10:56:13 GMT

It's been 180 days since apping for the Limitless. The Limitless was my lowest CC CL at $5000.

New limit $16,000. I love USAA! Total exposure with USAA now $41,000. In six more months I'm gonna try to hit that $50k ceiling. 19 inqs on EQ at the time of App. Total exposure just north of $460k. One new account in the last 45 days (Chase Amazon prime). UncleB it's your turn now! LoL

Re: USAA Limitless $11,000 CLI

pipeguy — Wed, 05 Jul 2017 11:14:18 GMT

Very nice CLI - Congrats !

Re: USAA Limitless $11,000 CLI

UncleB — Wed, 05 Jul 2017 12:42:29 GMT

Great job, my friend!

I was just about to say that I couldn't request a CLI yet because I didn't have the option, but I double-checked and what do you know... 'Change Credit Limit' has appeared!

I'm going to hold off a bit longer, though, since my EQ is my lowest score right now (741) and I know with the version USAA uses it will be even lower. I'm also carrying a 0% balance on my other USAA card so their computer might not be impressed by that. It's nice to know the option is there, though!

Again, huge congrats!

Re: USAA Limitless $11,000 CLI

Gmood1 — Wed, 05 Jul 2017 12:58:14 GMT

Thanks guys! UncleB..you have more will power than I. Lol

I remember we apped for this card on the same day.

My EQ is always my lowest score. USAA doesn't seem as conservative as some of my other lenders. Honestly I think you'll be fine. But I understand.

Re: USAA Limitless $11,000 CLI

AverageJoesCredit — Wed, 05 Jul 2017 13:02:44 GMT

Aint no limit too good enough for Gmood, can i get a holla

Awesome increase my friend. Come on 500k, you can do it

Re: USAA Limitless $11,000 CLI

UncleB — Wed, 05 Jul 2017 13:04:45 GMT

@Gmood1 wrote:
Thanks guys! UncleB..you have more will power than I. Lol
I remember we apped for this card on the same day.

I know... that was one great day!

I admit it's tempting, especially since I've moved my Sam's Club MC spend over to the Limitless, but so far I have a no-denial streak going back almost two years, and I don't want to break it now. My last HP back in March was for a CLI on my other USAA card; it went from $8400 to $12k, so a little more time will hopefully make things more certain for a request on the Limitless.

Don't worry, though... when the time is right I plan to hit them up for a 'bump' on the Limitless for sure!

Re: USAA Limitless $11,000 CLI

Anonymous — Wed, 05 Jul 2017 13:09:31 GMT

Congrats on the great CLI. Question for you, UncleB or anyone else. Does an ACH monthly transfer of $1K meet their direct deposit requirement? That would be my only way to do it. Keep coming very close to pulling the trigger for this card,

Re: USAA Limitless $11,000 CLI

Gmood1 — Wed, 05 Jul 2017 13:12:53 GMT

@AverageJoesCredit wrote:
Aint no limit too good enough for Gmood, can i get a holla

Awesome increase my friend. Come on 500k, you can do it

😂😂😂😂

Thanks AJC! I had a good laugh off that. I'm slowly marching towards the $500k. I could app aimlessly for some cards I have no use for and probably get there faster. I've been concentrating on increasing the ones I have though. Discover dropped off the face of the Earth with CLIs. 😂

I would love to get it up to 25 or $30k. Currently stuck at $14k for the last six months. Just not a fast growing card compared to others I've had for the same period of time. Amex, BofA, Chase, USAA and Capital one have left it in the dust!

Re: USAA Limitless $11,000 CLI

Gmood1 — Wed, 05 Jul 2017 13:14:38 GMT

@Anonymous wrote:
Congrats on the great CLI. Question for you, UncleB or anyone else. Does an ACH monthly transfer of $1K meet their direct deposit requirement? That would be my only way to do it. Keep coming very close to pulling the trigger for this card,

Yes it does Irish. I initiate a transfer from one of my outside banks. It works like a charm!

Re: USAA Limitless $11,000 CLI

Gmood1 — Wed, 05 Jul 2017 13:19:37 GMT

@UncleB wrote:
@Gmood1 wrote:
Thanks guys! UncleB..you have more will power than I. Lol
I remember we apped for this card on the same day.
I know... that was one great day!

I admit it's tempting, especially since I've moved my Sam's Club MC spend over to the Limitless, but so far I have a no-denial streak going back almost two years, and I don't want to break it now. My last HP back in March was for a CLI on my other USAA card; it went from $8400 to $12k, so a little more time will hopefully make things more certain for a request on the Limitless.

Don't worry, though... when the time is right I plan to hit them up for a 'bump' on the Limitless for sure!

Ah I see now UncleB. I've had that increase limit text staring at me since December for my other USAA CC.

Since the limit is already at $25k and the Limitless has made it obsolete. I just left it alone. I haven't used the other USAA CC since the Limitless showed up in the mail 6 months ago.

Re: USAA Limitless $11,000 CLI

Anonymous — Wed, 05 Jul 2017 13:18:43 GMT

@Gmood1 wrote:
@Anonymous wrote:
Congrats on the great CLI. Question for you, UncleB or anyone else. Does an ACH monthly transfer of $1K meet their direct deposit requirement? That would be my only way to do it. Keep coming very close to pulling the trigger for this card,
Yes it does Irish. I initiate a transfer from one of my outside banks. It works like a charm!

Thanks!

Re: USAA Limitless $11,000 CLI

Anonymous — Wed, 05 Jul 2017 13:25:37 GMT

Congratulations on your USAA Limitless!

Re: USAA Limitless $11,000 CLI

Anonymous — Wed, 05 Jul 2017 14:55:22 GMT

Congrats!! I love USAA and hope to get that card one day.

Re: USAA Limitless $11,000 CLI

Aduke1122 — Thu, 06 Jul 2017 19:58:45 GMT

Hey there congrats Gmood did the CLI button show up at 180 or 181 , I was approved for my Limitless the day after you and UncB my 180 days would be today. But no button

Re: USAA Limitless $11,000 CLI

Gmood1 — Thu, 06 Jul 2017 20:07:11 GMT

@Aduke1122 wrote:
Hey there congrats Gmood did the CLI button show up at 180 or 181 , I was approved for my Limitless the day after you and UncB my 180 days would be today. But no button

It showed up a day early Aduke. I was expecting it to show on "change credit limit"July the 6th.
Thanks! Look hard it is easy to miss. Mine is still showing up.

Re: USAA Limitless $11,000 CLI

UncleB — Thu, 06 Jul 2017 20:09:32 GMT

@Aduke1122 wrote:
Hey there congrats Gmood did the CLI button show up at 180 or 181 , I was approved for my Limitless the day after you and UncB my 180 days would be today. But no button

Dang... I'm sorry you don't have the option yet.

You probably already know this, but USAA calls their CLI link "Change Credit Limit". For anybody who might not be aware I'll include the screen shot below, since it isn't very clear on the web site.

Re: USAA Limitless $11,000 CLI

UncleB — Thu, 06 Jul 2017 20:10:38 GMT

Haha... @Gmood1 beat me to it!

Re: USAA Limitless $11,000 CLI

Gmood1 — Thu, 06 Jul 2017 20:12:24 GMT

@UncleB wrote:
Haha... @Gmood1 beat me to it!

It's all good UnkaB! Yours pinpoints the text. Ha ha

Re: USAA Limitless $11,000 CLI

Aduke1122 — Thu, 06 Jul 2017 20:39:47 GMT

Ok guys let me take another look , would it not be on the mobile app ?

Re: USAA Limitless $11,000 CLI

Gmood1 — Thu, 06 Jul 2017 20:42:41 GMT

Yes, just go to the upper right corner of the CC screen. It will be in the drop-down.