topic Re: USAA CLI in Credit Cards

USAA CLI

Anonymous — Wed, 19 Apr 2017 08:06:53 GMT

Does anyone know if USAA does auto credit line increases or does one have to request it.. I just got the card a 2 days ago.

Re: USAA CLI

empiror22 — Wed, 19 Apr 2017 11:39:42 GMT

USAA does do Auto CLI, but it is usually small and few and far between

Re: USAA CLI

AverageJoesCredit — Wed, 19 Apr 2017 11:53:52 GMT

I ve heard their clis by request are usually better ones

Re: USAA CLI

RockinRay — Wed, 19 Apr 2017 11:58:10 GMT

USAA will do an auto increase and at random times. No way to predict.

Re: USAA CLI

UncleB — Wed, 19 Apr 2017 15:04:28 GMT

I got a modest auto-CLI not long after my one year anniversary, but I agree it's definitely YMMV.

CLI requests are a HP with USAA, but usually they make it worthwhile.

My auto-CLI was $1400 ($7k to $8400), and my CLI request took me from $8400 to $12k. I'll add that I use them for my primary checking account, and I have a good history with them with a modest income (with a higher income I likely would have done better).

Re: USAA CLI

Anonymous — Wed, 19 Apr 2017 20:42:30 GMT

Since I just got the card 2 days ago.. When should I request a CLI or should I just wait for an Auto CLI

Re: USAA CLI

UncleB — Wed, 19 Apr 2017 21:29:01 GMT

@Anonymous wrote:
Since I just got the card 2 days ago.. When should I request a CLI or should I just wait for an Auto CLI

I believe you don't even get the option to ask for a CLI until the account is six months old (somebody correct me if I'm wrong).

In my own case I have two USAA cards; the newer one (Limitless) I just got in January, and when I checked a few moments ago the CLI option isn't there for that card (online it's called "Change Credit Line").

Edited to add: If you're really needing a CLI you might consider calling to ask... even if they have told others 'no' stranger things have happened.

Re: USAA CLI

nycplayboy78 — Fri, 12 May 2017 18:48:44 GMT

I have had my USAA Preferred Cash Rewards Signature Visa for a year now with no auto CLI and at a paltry limit. Should I call USAA and ask for a CLI guys?

Re: USAA CLI

Gmood1 — Fri, 12 May 2017 19:00:52 GMT

^^^^
Yes, just go online and request an increase. You can do it every six months.

Re: USAA CLI

nycplayboy78 — Fri, 12 May 2017 19:11:56 GMT

There is no link to submit for a CLI online when I log into my USAA account :/

The only thing I see is a link stating --> Stop Automatically Increasing My Credit Limit

Re: USAA CLI

Gmood1 — Fri, 12 May 2017 21:49:27 GMT

So no link to change credit limit? You can just call them then. You're way over due for an increase.

Re: USAA CLI

unc0mm0n1 — Tue, 16 May 2017 15:08:42 GMT

@Anonymous wrote:
Does anyone know if USAA does auto credit line increases or does one have to request it.. I just got the card a 2 days ago.

I've had a USAA card for 7 years. CL of 2K. I was making 30K at the time as I was in law school. I make much more now and I've used USAA for insurance and other things. My credit score is 790ish on EX, 800+ on TU and EQ. My CL today is a whooping 2K.

Re: USAA CLI

Anonymous — Tue, 16 May 2017 15:10:47 GMT

@UncleB wrote:
I got a modest auto-CLI not long after my one year anniversary, but I agree it's definitely YMMV.

CLI requests are a HP with USAA, but usually they make it worthwhile.

My auto-CLI was $1400 ($7k to $8400), and my CLI request took me from $8400 to $12k. I'll add that I use them for my primary checking account, and I have a good history with them with a modest income (with a higher income I likely would have done better).

UncleB with your increased credit line and modest income ... a party would be in order

Re: USAA CLI

Anonymous — Tue, 16 May 2017 15:14:20 GMT

@Anonymous wrote:
Does anyone know if USAA does auto credit line increases or does one have to request it.. I just got the card a 2 days ago.

You know rather than hitting USAA up for credit limit increases, apply for the USAA Limitless Cash Rewards Visa Card? Since they are going to do a hard inquiry anyway why not ... "nothing ventured nothing gained"!

Re: USAA CLI

UncleB — Tue, 16 May 2017 15:46:28 GMT

@Anonymous wrote:

@UncleB wrote:
I got a modest auto-CLI not long after my one year anniversary, but I agree it's definitely YMMV.
CLI requests are a HP with USAA, but usually they make it worthwhile.
My auto-CLI was $1400 ($7k to $8400), and my CLI request took me from $8400 to $12k. I'll add that I use them for my primary checking account, and I have a good history with them with a modest income (with a higher income I likely would have done better).
UncleB with your increased credit line and modest income ... a party would be in order

I agree!

I think what likely drove the auto-CLI in my case was high usage. The first year that card had a 0% promo on purchases as well as BTs and convenience checks... I actually carried a balance of around $4k most of the first year, always making large payments (basically paying off new charges in full, while chipping away at the convenience check portion). I had the entire balance paid down to zero before the promo ran out, and the auto-CLI happened when my balance was only a couple hundred dollars (just before I got it PIF).

Their computers seemed to like this, but I'll stress that much like my resources the auto-CLI was also modest ($1400) which is peanuts for many around here.

I also agree that anybody willing to take a HP for USAA should at least take a look at the Limitless... for the right person it can be a near-perfect card.

Re: USAA CLI

HappyJoey425 — Wed, 24 May 2017 03:26:40 GMT

I have 2 USAA cards.

Visa signature rewards card and American Express Rewards

Just back to back apped-Visa 2k to 6k and Amex 6k to 12k.

I had the Amex for 1.5 years anday the visa for almost 7. The visa started at 500 dollars during low income and community college.

Hope this helps.

Income 46k
Scores mid 740-750

Re: USAA CLI

Anonymous — Thu, 28 Dec 2017 00:54:38 GMT

Click on your card -> more services -> services -> CHANGE CREDIT LIMIT -> pick I want to increase my limit or I want to decrease my limit.