topic USAA AMEX in Credit Cards

USAA AMEX

Anonymous — Sun, 31 Dec 2017 21:08:18 GMT

So, quick question for y'all. I recently got a USAA AMEX and will be nearing my 61 day Mark next week. I also have a Delta Amex that's 30 days. Does the bank issued AMEX work the same way as the other flavors of AMEX asking for a 3X CLI at 61 days with a SP? I don't want to get any additional HPs since me and DW will be applying for mortgage in July. And I've been solidifying my Credit profile.

Any words of wisdom how USAA AMEX works for CLI would be appreciated.

Re: USAA AMEX

BigBS — Sun, 31 Dec 2017 21:11:56 GMT

@Anonymous wrote:
So, quick question for y'all. I recently got a USAA AMEX and will be nearing my 61 day Mark next week. I also have a Delta Amex that's 30 days. Does the bank issued AMEX work the same way as the other flavors of AMEX asking for a 3X CLI at 61 days with a SP? I don't want to get any additional HPs since me and DW will be applying for mortgage in July. And I've been solidifying my Credit profile.

Any words of wisdom how USAA AMEX works for CLI would be appreciated.

No, it doesn't. Don't think USAA does SPs for any lending.

Re: USAA AMEX

Anonymous — Sun, 31 Dec 2017 21:20:47 GMT

No USAA doesn’t work like Amex for CLI.... you’ll see a link to request a cli when eligible, but it’s a hard pull if I recall.

Re: USAA AMEX

Anonymous — Sun, 31 Dec 2017 21:23:39 GMT

@Anonymous wrote:
So, quick question for y'all. I recently got a USAA AMEX and will be nearing my 61 day Mark next week. I also have a Delta Amex that's 30 days. Does the bank issued AMEX work the same way as the other flavors of AMEX asking for a 3X CLI at 61 days with a SP? I don't want to get any additional HPs since me and DW will be applying for mortgage in July. And I've been solidifying my Credit profile.

Any words of wisdom how USAA AMEX works for CLI would be appreciated.

Bank issued (licensed) Amex cards do not follow American Express Centurian Bank's ("real" Amex) 61-day CLI's. USAA likes to see 6 months of use before they give a CLI-and they are almost always by the request of the cardholder (the CLI button/link won't appear before then) at the cost of a HP. Sit tight until August (it will be here before you know it) and apply for the CLI on your USAA from inside your new house

Re: USAA AMEX

Anonymous — Sun, 31 Dec 2017 21:32:04 GMT

Thank you for the quick response. Glad to know this.

Re: USAA AMEX

Anonymous — Mon, 01 Jan 2018 01:48:02 GMT

The USAA AMEX CLI is every 6 months and its a hard pull every time. But you will find that USAA is very generous with their CLI's. I've grown mine to 30K, it started at 7k.

Re: USAA AMEX

Anonymous — Tue, 02 Jan 2018 01:24:07 GMT

USAA offers a card that works on the AMEX network. AMEX is the true issuer of AMEX. USAA will initiate SP CLI's on their own periodically. As others have stated, if you request a CLI it will be a HP. From my experience, if you want a CLI, swipe it until the magnetic strip wears out. Works well for me. My USAA Amex has grown faster than my other two USAA cards.

** Now I swipe my BCE like crazy!