topic Re: USAA CLI? in Credit Card Applications

USAA CLI?

arenglish — Mon, 22 Jan 2018 21:30:47 GMT

Luv button finally showed up on my USAA Amex Rewards card, seems to be a hard pull. Anyone have data points on CLI's with USAA? Rather not just use the HP blindly. My scores are below and my Utl is <7%. On my 7th month with this card. AAoA ~8 months.

Re: USAA CLI?

FinStar — Mon, 22 Jan 2018 21:36:57 GMT

It will be a HP.

Re: USAA CLI?

arenglish — Tue, 23 Jan 2018 03:15:55 GMT

Right, I understand that. Wondering if in other's experience if it's worth it or just to wait for a auto CLI.

Re: USAA CLI?

Gmood1 — Tue, 23 Jan 2018 10:12:40 GMT

The HPs have always been worth it for me. Normally $8k to $11k a HP IME.

Re: USAA CLI?

Anonymous — Tue, 23 Jan 2018 12:00:05 GMT

Yeah i think so, usually got 7K per CLI, got a 10K once.

Grew my AMEX to 30k. No idea why I would want to run up 30K at 21% interest but nice to have the limit.

My experience with USAA is they often don't issue a CLI u...

Jeffhacker — Sat, 03 Feb 2018 01:38:04 GMT

My experience with USAA is they often don't issue a CLI until you ask. I have a regular Visa with them - $6K limit, but when I originally opened the account it was $2,500. I called about a CLI and they (a) said it was a HP, (b) ran it, and (c) raised my limit to $6K. My FICOs are EX-718, EQ 744, TU 792. Other accounts have bigger limits.

Re: My experience with USAA is they often don't issue a CLI u...

MakeItAMudLight — Thu, 08 Mar 2018 16:15:00 GMT

For CLI do they generally HP EQ or EX?

Re: USAA CLI?

UncleB — Sun, 11 Mar 2018 13:54:45 GMT

@MakeItAMudLightwrote:
For CLI do they generally HP EQ or EX?

YMMV...

I've requested a CLI with them twice (on two different cards); the first time it was EQ, the second CLI a few months later was EX.