topic Re: USAA and CLI in Credit Cards

USAA and CLI

CS800 — Thu, 24 May 2012 21:11:48 GMT

DOes USAA HP for a customer initiated CLI? I'm thinking yes, just need confirmatrion. Would liek to get my USAA AMEX bumped up. Currently sitting at $4k

Re: USAA and CLI

suebee123 — Fri, 25 May 2012 00:14:24 GMT

I believe it is a hard pull and I think you can ask for double your limit. That's what I have read on myfico. I am waiting for my USAA to turn 6 mos, to ask for a credit limit increase from 3000 to 6000k. If you do it, please update and let me know what happened.

Re: USAA and CLI

kevinjjc — Fri, 25 May 2012 02:57:38 GMT

In my experience, hard pull on EQ. Got bumped to 10k from 5,500.

Re: USAA and CLI

hammertime — Fri, 25 May 2012 11:15:14 GMT

HP and you can get double your current CL. Only eligible every 6 months.. Call them and they will do CLI over phone.

Re: USAA and CLI

CS800 — Fri, 25 May 2012 11:18:50 GMT

I would love to get the USAA AMEX at 8k or even 10k

I will try it today.

Re: USAA and CLI

Anonymous — Fri, 25 May 2012 11:50:57 GMT

I was told (by a CSR) that they automatically review new accounts for CLI eligibility at the 6 month mark. Briefly considered calling but couldn't see wasting a HP with my utilization out of control at the moment.

Re: USAA and CLI

CS800 — Fri, 25 May 2012 18:17:36 GMT

@Anonymous wrote:
I was told (by a CSR) that they automatically review new accounts for CLI eligibility at the 6 month mark. Briefly considered calling but couldn't see wasting a HP with my utilization out of control at the moment.

I have had this card since last Nov, but debating whether its worth taking a hard inq.

Re: USAA and CLI

suebee123 — Fri, 25 May 2012 18:19:48 GMT

If you could double your limit, I think it's worth the hard pull...but if you do, please let us know.

Re: USAA and CLI

CS800 — Fri, 25 May 2012 19:44:18 GMT

Ok bored on Friday, I decided to make this

Re: USAA and CLI

Anonymous — Fri, 25 May 2012 20:04:19 GMT

LOL... love it

Re: USAA and CLI

MsLadyRover — Fri, 25 May 2012 20:13:07 GMT

HA HA HA HA HA HA HA!!!! I like it!

Re: USAA and CLI

CS800 — Tue, 29 May 2012 22:25:11 GMT

Confirmed by the CSR. It will be a HP for a CLI unless auto.

Re: USAA and CLI

Anonymous — Wed, 01 Aug 2012 04:42:29 GMT

CS,

Have you received a CLI on your USAA card? I just hit my 7th statement and my limit is still the same, I am waiting untill JAN/FEB to do a customer requested CLI. I just wondering what my odds are that they might do it before this? Thanks. I am currently sitting at 1k, but I have 2 other cards at 5k/7.5k (NFCU)

Re: USAA and CLI

Anonymous — Sun, 24 Nov 2013 20:25:12 GMT

Re: USAA and CLI

H4LO — Sun, 24 Nov 2013 11:48:12 GMT

@Anonymous wrote:
Just pushed the love button and requested $3K but was offered $1500 no hp...CITI Forward! yah baby...now at $7500!

What does a CLI on a Citi Forward card have to do with a USAA CLI thread? lol

Re: USAA and CLI

alvon123 — Sun, 24 Nov 2013 11:59:06 GMT

Yes it is a hard pull

Re: USAA and CLI

Anonymous — Sun, 24 Nov 2013 12:31:20 GMT

Confirm hard inquiry. CR input info and offered me a limit increase and I said for a hard inquiry I would like more and a credit analyst was brought in and my limit was manually reviewed and increased. The amount was not based on doubling. Informed the CR what I wanted and they increased by the amount requested. If your going to take a hard inquiry ask for what you want! Note, credit told me they do very few automatic increases now and almost always hard inquiries.Speaking with experience.

Re: USAA and CLI

Scott90 — Sun, 24 Nov 2013 13:15:55 GMT

What is usaa's limit on credit lines on one card? I know NFCU is 25k before they start wanting documentation, is USAA similar?

Re: USAA and CLI

Anonymous — Sun, 24 Nov 2013 13:25:31 GMT

Seems $25K is the current thinking. However, that said I have read posts where people have increased to $35K. Why one person and not another? Interesting? Further, I have read where they have a total limit for all cards capped at $25K for one or several cards only to read of exceptions. Why?

Re: USAA and CLI

Anonymous — Sun, 24 Nov 2013 17:33:12 GMT

Wrong thread-my badd but still good info. Best regards