topic Re: Huge USAA CLI through mobile app (Was this a hard pull?) in Credit Card Approvals

Huge USAA CLI through mobile app (Was this a hard pull?)

HappyInHawaii — Thu, 06 Jun 2019 09:43:22 GMT

Didn't know what a LUV button looked like, not sure if I found it or just earned myself two hard pulls,...with the huge increases though, I don't really care about the Hard Pulls. Went through the USAA app menu and requested a credit line increase on both my AMEX and Signature Visa Cards.

The AMEX was once a $5000 limit, decreased to $2,500 after paying it off nearly completely all at once, so disheartening. About a week ago after doing a Balance Transfer to my new NFCU card, I received a notice that the $2,500 CL had been increased to a $3,500 CL. After looking unsuccessfully on this forum for a picture of the USAA LUV button, (who knows maybe I actually found it?) I selected something like "Request Credit Limit Increase" I input my income ($81,000) and rent ($700) and hit a button that said something like Request Credit Check. The $3,500 AMEX Card is now a $9,600 CL!!!

Feeling lucky. I proceeded to do the same thing with the Signature Visa that had a $5000 CL. It's now $13,000!

Between my one month old NFCU Signature Visa ($8,600) these three Credit Limit Increases more than tripled my Credit Limit, looking forward with hope to a stronger score with my new reduced utilization ratio.

Credit Karma is showing 710 Transunion and 672 on Equifax. They are both incorrectly reporting 9% utilization, neither seems to be recognizing the new NFCU account where I balance transfered everything from USAA.

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

VanderSnoot — Thu, 06 Jun 2019 10:43:03 GMT

Congratulations! Those are great CLIs, and tripling your total CL is huge! I also opened an NFCU card and LOC last month, and only one is reporting. I've read here that it can take several months to appear, so don't sweat it. I can't answer your question about HP/SP, but it sounds like they were worth it (depending on other goals you have in the next 2 years). Congrats again, @HappyInHawaii!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

Anonymous — Thu, 06 Jun 2019 12:54:20 GMT

As to USAA Credit Line increases, they are an HP. Congrats on the huge CLI's!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

xaximus — Thu, 06 Jun 2019 19:20:32 GMT

Congrats on the CLIs! Generally, increases take some time to appear, I would give it at least 30-60 days.

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

Pro-X — Thu, 06 Jun 2019 22:45:22 GMT

Congrats!!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

Anonymous — Thu, 06 Jun 2019 22:52:53 GMT

Congrats on your CLI's!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

Anonymous — Thu, 06 Jun 2019 23:01:42 GMT

Wow congrats on your huge CLIs!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

HappyInHawaii — Fri, 07 Jun 2019 09:55:40 GMT

Couldn't resist not trying one more, also scored a really low limit ($1,000), but 50,000 Delta Skymiles with the Gold AMEX Delta Card. I wish I had immediately requested the CLI increase until waiting until the next day. The next morning my new auto loan hit and decreased my Experian score by over 20 points, is this normal? Like a dumbass I requested the increase to 3k anyway, I think it was a soft pull though. We'll find out soon enough! It gave me a notice that I'd find out in 5-7 business days so I imagine it was not approved.

Still, I've been told before that my USAA AMEX was somehow not a real AMEX Card and now I finally have my first card with AMEX for real. Also, the $1000 spend to get 50,000 Delta Skymiles was a nice $500 ish value bonus. Looking at how best to spend the points now!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

VanderSnoot — Fri, 07 Jun 2019 10:14:12 GMT

That's a sweet bonus!

Re: Huge USAA CLI through mobile app (Was this a hard pull?)

Anonymous — Fri, 07 Jun 2019 16:59:29 GMT

Grats on your increase!! IMO USAA has always been extremely liberal with there lending. I had a CC with them with a $1000 limit and never could get an increase with them over 5 years. I finally just closed it.