topic Re: Can USAA Partial Members Get A CLI? in Credit Cards

Can USAA Partial Members Get A CLI?

kimmiller112 — Wed, 18 Sep 2013 23:23:03 GMT

I am preparing to do a mini spree at the end of October right after I close on a house, including trying for some CLIs on some of my current cards. I did a search on here for information about USAA CLI and I didn't find a lot. One poster earlier this year seemed to indicate that only full members were eligible for an increase. Does anyone know if this is true? I got the MC last September.

Re: Can USAA Partial Members Get A CLI?

rex_03 — Wed, 18 Sep 2013 23:49:12 GMT

Call them and ask??

Re: Can USAA Partial Members Get A CLI?

Anonymous — Sun, 22 Sep 2013 19:25:47 GMT

As an existing cardholder you would be considered for a CLI. You should know that USAA is not great on CLI's (based on what I have read on other sites). Nor do they set the world on fire on CL's from what I have read. Likely it is like many things and it depends on your credit standing an income.

Re: Can USAA Partial Members Get A CLI?

09Lexie — Sun, 22 Sep 2013 19:17:15 GMT

^^^ this! One of the reasons I closed my acct with them a few years ago.

Re: Can USAA Partial Members Get A CLI?

TNTransplant — Sun, 22 Sep 2013 19:06:48 GMT

@kimmiller112 wrote:
I am preparing to do a mini spree at the end of October right after I close on a house, including trying for some CLIs on some of my current cards. I did a search on here for information about USAA CLI and I didn't find a lot. One poster earlier this year seemed to indicate that only full members were eligible for an increase. Does anyone know if this is true? I got the MC last September.

Partial members are eligible for a CLI. They will do an HP on Equifax.

And contrary to what was previously posted, they can be fairly liberal with initial credit lines and even CLIs. When I applied for a card with them as a partial member, I did so specifically based on my research from multiple threads/credit pull databases, etc. Initial CL = $12000, and subsequent CLI of $8000 approximately nine months later. You do have to talk to a CSR to request it, and after pulling your credit they will tell you the CLI you are eligible for - I did not get to request an amount.

Good luck.

Re: Can USAA Partial Members Get A CLI?

kimmiller112 — Mon, 23 Sep 2013 15:46:05 GMT

Thank you everyone for your input. When I apped for USAA, they gave me my second highest CL at the time. Now they are my 4th highest, so maybe they will match one of my higher ones. I'm not sure yet whether I'll pull the trigger on this next month or wait until next year. If anyone else has anything else to add about this, I would greatly appreciate it!

Re: Can USAA Partial Members Get A CLI?

kimmiller112 — Fri, 18 Oct 2013 14:36:36 GMT

Update: I called them and asked for an increase. They asked for income/monthly housing payment and it took 30 seconds to process. They came back and approved a $3000 increase which will bring me up to $7000. I'm a partial member.

Re: Can USAA Partial Members Get A CLI?

fedxboy — Fri, 18 Oct 2013 15:12:23 GMT

Oh excellent!! I'm a partial member too, so good information to know.

Congratulations, nice increase!!

Re: Can USAA Partial Members Get A CLI?

UFGuy2006 — Fri, 18 Oct 2013 15:56:23 GMT

Great increase!! Do you recall whether it was a SP or HP?

Re: Can USAA Partial Members Get A CLI?

kimmiller112 — Fri, 18 Oct 2013 16:21:46 GMT

Definitely HP. They told me about it and asked me if I wanted to proceed.

Re: Can USAA Partial Members Get A CLI?

lhcole77 — Fri, 18 Oct 2013 18:54:07 GMT

@kimmiller112 wrote:
Update: I called them and asked for an increase. They asked for income/monthly housing payment and it took 30 seconds to process. They came back and approved a $3000 increase which will bring me up to $7000. I'm a partial member.

Congrats! How long had you had the card before requesting the CLI?

P.S. I've read of some success stories from people requesting CLI via online message and getting SPed OR 1 HP for CLI on two cards.

Re: Can USAA Partial Members Get A CLI?

kimmiller112 — Sat, 19 Oct 2013 04:26:15 GMT

@lhcole77 wrote:
Congrats! How long had you had the card before requesting the CLI?

P.S. I've read of some success stories from people requesting CLI via online message and getting SPed OR 1 HP for CLI on two cards.

I opened the account in September 2012, so just over a year, never requested a CLI before today. Once a year is my plan.

Re: Can USAA Partial Members Get A CLI?

takeshi74 — Sat, 19 Oct 2013 13:37:13 GMT

@kimmiller112 wrote:
One poster earlier this year seemed to indicate that only full members were eligible for an increase. Does anyone know if this is true?

Definitely not true. Always consider the source, validate & corroborate. Posters on every discussion forum site say all sorts of things.

Re: Can USAA Partial Members Get A CLI?

wreith — Sat, 19 Oct 2013 15:10:15 GMT

@lhcole77 wrote:
.
Congrats! How long had you had the card before requesting the CLI?

P.S. I've read of some success stories from people requesting CLI via online message and getting SPed OR 1 HP for CLI on two cards.

You can request a CLI from USAA every 6 months. In one year I went from $4K on both my cards to $10K on one and $11K on the other. Was an HP each time.