topic Re: USAA "Application Limit"...anybody else? in Credit Cards

USAA "Application Limit"...anybody else?

scvbd99 — Fri, 24 Jan 2014 02:48:42 GMT

I got 2 cards from USAA within 24 hours of each other.

When I tried applying for a 3rd, a message came up saying "You have reached your application limit".

Has this happened to anybody else? Any idea when they'd let me apply for another? I've seen several people on here with 3 cards from them.

Re: USAA "Application Limit"...anybody else?

flowfaster — Fri, 24 Jan 2014 03:52:39 GMT

I have not heard of that before but I don't think many people would apply for 3 USAA cards back to back.

I am just curious what was your APR? Are the APR's the same on the 2 cards your were approved for?

Re: USAA "Application Limit"...anybody else?

alvon123 — Fri, 24 Jan 2014 04:16:51 GMT

@scvbd99 wrote:
I got 2 cards from USAA within 24 hours of each other.

When I tried applying for a 3rd, a message came up saying "You have reached your application limit".

Has this happened to anybody else? Any idea when they'd let me apply for another? I've seen several people on here with 3 cards from them.

Yes, I got the same message, the website locks you out at 2. However if you want to apply for a third card all you have to do is contact USAA and they will take your app / ask a few questions and approve you over the phone for your 3rd or even 4th card. That what happened to me. (NOTE: I applied for my 3rd card about 2 months after)They are pretty friendly. They will advise you that it will be a hard pull.

Re: USAA "Application Limit"...anybody else?

scvbd99 — Fri, 24 Jan 2014 04:13:27 GMT

@flowfaster wrote:
I have not heard of that before but I don't think many people would apply for 3 USAA cards back to back.

I am just curious what was your APR? Are the APR's the same on the 2 cards your were approved for?

USAA Amex: 16.9% APR

USAA Visa: 15.9% APR

The one I'd want to add is the Rate Advantage card down the line.

Re: USAA "Application Limit"...anybody else?

flowfaster — Fri, 24 Jan 2014 04:41:08 GMT

thanks. And good data points.

Congrats on your cards.

Re: USAA "Application Limit"...anybody else?

scvbd99 — Fri, 24 Jan 2014 16:30:06 GMT

@alvon123 wrote:
@scvbd99 wrote:
I got 2 cards from USAA within 24 hours of each other.

When I tried applying for a 3rd, a message came up saying "You have reached your application limit".

Has this happened to anybody else? Any idea when they'd let me apply for another? I've seen several people on here with 3 cards from them.
Yes, I got the same message, the website locks you out at 2. However if you want to apply for a third card all you have to do is contact USAA and they will take your app / ask a few questions and approve you over the phone for your 3rd or even 4th card. That what happened to me. (NOTE: I applied for my 3rd card about 2 months after)They are pretty friendly. They will advise you that it will be a hard pull.

Excellent info. I think I'll try for the Rate Advantage card over the phone in a few months.

It would be great to have 3 cards with limits of $5000 or more so I can negotiate for matching CLI down the line.

Thanks again.

Re: USAA "Application Limit"...anybody else?

lhcole77 — Sat, 25 Jan 2014 16:35:24 GMT

Alvon: were your first two cards approved with the same HP?

Re: USAA "Application Limit"...anybody else?

alvon123 — Sat, 25 Jan 2014 17:10:34 GMT

@lhcole77 wrote:
Alvon: were your first two cards approved with the same HP?

No, I did not app on the same day, I waited for the next day to app for the second one (cost me 2 hp)

However when I ask for a cli on my first 2 USAA cards due this March it will be 1 hp

Re: USAA "Application Limit"..Anybody else?

Swapmeet — Sat, 25 Jan 2014 18:21:00 GMT

I just tried to use one hp to get a cli, convert to world mc, and apply for the rate advantage. The CSR said that he can do the first two on one HP, but every new account requires another HP.

Re: USAA "Application Limit"...anybody else?

12njoy — Sat, 25 Jan 2014 19:04:01 GMT

@OP,

I got that message last year, but it was after like 8 (yes 8) applications. I had to call in to apply after that. USAA have a set number of applications that you can submit via the website in a 6 month period. I want to say the representative told me it was 6 applications, but can't really remember the exact number. Whatever it was, I had reached it.

Re: USAA "Application Limit"...anybody else?

12njoy — Sat, 25 Jan 2014 19:07:10 GMT

@OP,

I forgot to tell you too. When I initially got the "application limit" I spoke with a csr who told me also that in some instances this is a generic statement, but there could be underlying issues such as "You've reached your maximum credit limit" with USAA or other issues. It is not always that you have applied too many times with that message.