topic Re: USAA Rate Advantage Platinum CLI in Credit Card Approvals

USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 05:31:23 GMT

Well, I decided to request a CLI on my USAA CC. I was sitting at $7,000, and they boosted me to $15k! I didn't have the option to request a certain increase; they HP'd and returned the love.

Re: USAA Rate Advantage Platinum CLI

AllZero — Mon, 30 Mar 2020 05:40:45 GMT

Congratulations on your CLI!

Re: USAA Rate Advantage Platinum CLI

Mv350 — Mon, 30 Mar 2020 10:44:35 GMT

Very nice! Congrats on your increase!

Re: USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 10:39:44 GMT

Congrats on your CLI.

Re: USAA Rate Advantage Platinum CLI

seattletravels — Mon, 30 Mar 2020 12:05:42 GMT

Nice! Def worth the HP!

Re: USAA Rate Advantage Platinum CLI

newfossil — Mon, 30 Mar 2020 12:22:10 GMT

Congratulations!

Re: USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 12:23:44 GMT

Congrats!

Re: USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 14:15:04 GMT

I'm now gardening for 18 months! In 30 days, I improved from an average 655 to 760, added 2 cards, increased a CL resulting in an overall increase of $16k in credit - all with FICO still climbing.

Re: USAA Rate Advantage Platinum CLI

M_Smart007 — Mon, 30 Mar 2020 14:44:37 GMT

Congrats!

Re: USAA Rate Advantage Platinum CLI

19eighty5 — Mon, 30 Mar 2020 16:37:34 GMT

Congratulations!

Re: USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 20:13:48 GMT

Congratulations on your CLI! 👍

Re: USAA Rate Advantage Platinum CLI

UH_HUH — Mon, 30 Mar 2020 20:15:55 GMT

@Anonymous wrote:
Well, I decided to request a CLI on my USAA CC. I was sitting at $7,000, and they boosted me to $15k! I didn't have the option to request a certain increase; they HP'd and returned the love.

Over twice your credit limit approved in one fell swoop!

That's just sweet :-)

Enjoy your CLI

Cheers

Re: USAA Rate Advantage Platinum CLI

Aim_High — Mon, 30 Mar 2020 21:14:07 GMT

@Anonymous wrote:

Well, I decided to request a CLI on my USAA CC.

I was sitting at $7,000, and they boosted me to $15k!

Awesome! Congrats on your successes!

Enjoy and welcome to the garden.

So, were you using the USAA credit line or had it just aged?

How much did you use it and/or how much did it age before the increase?

Data points much appreciated!

Re: USAA Rate Advantage Platinum CLI

Anonymous — Mon, 30 Mar 2020 23:04:00 GMT

So, were you using the USAA credit line or had it just aged?
How much did you use it and/or how much did it age before the increase?
Data points much appreciated!

I've had that card since 2015 - they don't apparently auto-CLI, at least not for me. I had never sought a CLI either. Over the last 3 years, I had my marina boat slip autopay through the card. So I had $300 of activity on it every month for the last 3 years, but PIF every month with a reported average utilization somewhere around ~4%.

My dilema is that since I'm basically debt free now, I don't have a need for an APR card. Perhaps after gardening I'll emerge and grab another USAA card and do some work on the CLI allocation. USAA does allocation changes, but not PCs, I'm told.