topic Re: USAA Amex CLI in Credit Cards

USAA Amex CLI

p- — Sat, 21 Jan 2012 16:49:30 GMT

Emailed USAA yesterday to request a CLI from 3k to 10k. Hard pull of Eq required, but it showed them:

EQ: Plus score 709, 4 Inq, AAOA 4 yrs, oldest 8.5 yrs, CC Utilization 13%, negatives 1 - 30 days late on 1 account in 2007. 1 Mortgage, open, 5 installment accounts, 1 open, 4 paid. 9 revolvers, 7 open, 2 paid. No collections.

Received an email from USAA this morning, increase approved, see your account - Looks like they raised me from 3k to 6k. My highest line to date. Sweet.

I've had the card for a little over 6 months, used it regularly every month but not as my primary spending card, and never showed a balance over 1,000. Statement and actual balance was 0 at time of request.

Hope this info helps anyone else looking for a CLI. Bummer they require a HP, but it's EQ unlike most other cards.

Re: USAA Amex CLI

Guava — Sat, 21 Jan 2012 17:05:21 GMT

Congrats! although it's not what you wanted but double what you have is not bad!

Re: USAA Amex CLI

Anonymous — Sat, 21 Jan 2012 17:08:13 GMT

Bummer on the HP, but as Guava has said, double your CL is not bad.

Congratulations.

Re: USAA Amex CLI

CS800 — Sat, 21 Jan 2012 17:21:09 GMT

@p- wrote:
Emailed USAA yesterday to request a CLI from 3k to 10k. Hard pull of Eq required, but it showed them:

EQ: Plus score 709, 4 Inq, AAOA 4 yrs, oldest 8.5 yrs, CC Utilization 13%, negatives 1 - 30 days late on 1 account in 2007. 1 Mortgage, open, 5 installment accounts, 1 open, 4 paid. 9 revolvers, 7 open, 2 paid. No collections.

Received an email from USAA this morning, increase approved, see your account - Looks like they raised me from 3k to 6k. My highest line to date. Sweet.

I've had the card for a little over 6 months, used it regularly every month but not as my primary spending card, and never showed a balance over 1,000. Statement and actual balance was 0 at time of request.

Hope this info helps anyone else looking for a CLI. Bummer they require a HP, but it's EQ unlike most other cards.

Nice double CL !!

Re: USAA Amex CLI

p- — Sat, 21 Jan 2012 21:42:58 GMT

Thanks...

Re: USAA Amex CLI

JusdoNit — Sat, 21 Jan 2012 22:03:59 GMT

Very Nice! Enjoy.

Re: USAA Amex CLI

p- — Mon, 23 Jan 2012 16:47:08 GMT

@JusdoNit wrote:
Very Nice! Enjoy.

Thanks - it's getting there. I was hoping to break the 10k line on this one, but I'll be ok. I never come close to the limit anyway.

Re: USAA Amex CLI

RockinRay — Mon, 23 Jan 2012 16:48:37 GMT

@p- wrote:
@JusdoNit wrote:
Very Nice! Enjoy.
Thanks - it's getting there. I was hoping to break the 10k line on this one, but I'll be ok. I never come close to the limit anyway.

-p, Congrats!

Next CLI will get you where you want to be...

Re: USAA Amex CLI

learnin113 — Mon, 23 Jan 2012 18:44:38 GMT

This is a card I would like to have.

Re: USAA Amex CLI

p- — Mon, 23 Jan 2012 19:02:01 GMT

@learnin113 wrote:
This is a card I would like to have.

Thanks RR...

Learnin- If you are a USAA member, keep an eye on the My Offers tab. From what I've been told it is pretty much guaranteed approval if they offer it to you. I was declined when I apped on my own, but a few months later found it on my offers tab and it was approved for 3k. My next highest CL at the time was 570, but having this card at 3k opened up doors for me at "real" banks.

Re: USAA Amex CLI

learnin113 — Mon, 23 Jan 2012 19:04:32 GMT

@p- wrote:
@learnin113 wrote:
This is a card I would like to have.
Thanks RR...

Learnin- If you are a USAA member, keep an eye on the My Offers tab. From what I've been told it is pretty much guaranteed approval if they offer it to you. I was declined when I apped on my own, but a few months later found it on my offers tab and it was approved for 3k. My next highest CL at the time was 570, but having this card at 3k opened up doors for me at "real" banks.

Oh yeah, I'm on it.

Re: USAA Amex CLI

RockinRay — Mon, 23 Jan 2012 19:07:09 GMT

@p- wrote:
@learnin113 wrote:
This is a card I would like to have.
Thanks RR...

Learnin- If you are a USAA member, keep an eye on the My Offers tab. From what I've been told it is pretty much guaranteed approval if they offer it to you. I was declined when I apped on my own, but a few months later found it on my offers tab and it was approved for 3k. My next highest CL at the time was 570, but having this card at 3k opened up doors for me at "real" banks.

USAA is really great to work with. Over the years, they have been very good to us for sure. I have read your Journal and it is quite a story.

Re: USAA Amex CLI

p- — Mon, 23 Jan 2012 19:09:49 GMT

@RockinRay wrote:
USAA is really great to work with. Over the years, they have been very good to us for sure. I have read your Journal and it is quite a story.

Thanks - It has been a hell of a ride. I agree with you about USAA, they've been great to us too. We use their insurance products as well, and had a claim with them, really no hassle at all to get it taken care of. I would recommend that company to anyone.

Re: USAA Amex CLI

RockinRay — Mon, 23 Jan 2012 19:12:17 GMT

@p- wrote:
@RockinRay wrote:
USAA is really great to work with. Over the years, they have been very good to us for sure. I have read your Journal and it is quite a story.
Thanks - It has been a hell of a ride. I agree with you about USAA, they've been great to us too. We use their insurance products as well, and had a claim with them, really no hassle at all to get it taken care of. I would recommend that company to anyone.

+ 1 for sure.

I think there are people on this forum that could really bennefit from reading your journal. You all have really come a long way and I tip my hat to you...

Re: USAA Amex CLI

UPSGregg — Mon, 23 Jan 2012 19:15:29 GMT

They told me we had to wait six months for CLIs and could only double each time. Mine is at $15,000.00 right now.

Re: USAA Amex CLI

p- — Mon, 23 Jan 2012 19:45:50 GMT

@UPSGregg wrote:
They told me we had to wait six months for CLIs and could only double each time. Mine is at $15,000.00 right now.

Good to know, thanks! I'll have to remember to hit them up this summer. Maybe I can see 12k.

Re: USAA Amex CLI

Anonymous — Wed, 01 Aug 2012 04:48:29 GMT

OP, I ran across this looking at AUTO CLI on USAA accounts, my accout is about 7 months old and was trying to find out how often they actually do the limit increase on there own. Well it has been 6 Months since your last CLI. GL on it, if you decide to pull the trigger again (another double would put you at $12k).