USAA Application Process

[credit_endurance]

Hello all.

Just got my membership approval for this gem of a bank. And was of course was wanting to apply for a couple of their products specificaly that 2.5 CB Limitless card so was wondering How long is a HP good for? One time only or 30 days?... Which CB do they usually pull?... Do they combine HP's on products?.. Are they new account/inquiry sensitive?

[Gmood1]

IME they pulled EQ. I've read a few times on this site they pulled EX. They aren't new account or inquiry sensitive IME. The combined HPs is a toss up from the data posted here. I've only apped or requested CLI once per HP. No experience requesting two products the same day. I believe it is possible, if initiated on the same day.

[credit_endurance]

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@Gmood1 wrote:
IME they pulled EQ. I've read a few times on this site they pulled EX. They aren't new account or inquiry sensitive IME. The combined HPs is a toss up from the data posted here. I've only apped or requested CLI once per HP. No experience requesting two products the same day. I believe it is possible, if initiated on the same day.

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 Thanks Gmood for the reply. I really have my eye on the Limitless Visa and being fortunate enough to eligible for it in my state. I do also like the Rate Advantage Visa as well. Are they pretty conservitive with SL?

[Gmood1]

Not really, I got my first card with them on July 4 of 2015. If I'm not mistaken the SL was $7000. It quickly grew to $25k in 12 months. My Limitless in Jan of this year started at $5000 and now $16,000. In November I'll hit them for the remaining $9000 if I can.
Some people get $25k from the start!
Regardless, USAA's cards are some of the fastest growing in my wallet.

[credit_endurance]

UPDATE:Went ahead and appied for the Limitless Visa which was first one my radar and the app went to pending waited it out and got the approval for $8K SL. Kind of low considering some of the recent approvals for substantially more but nonetheless an approval is better than an denial anyday. Wanted to test the theory on applications on different days and hp's being used for 30 days so applied for Rate Advantage Visa with EQ on the rocks and got the pending message yet again. Recieved a call this evening from underwriting with a message to contact them back regarding the app. So called when I returned home and sure enough they need me to take EQ of ice to complete the application. So with this information I was able to gather USAA doesn't use the same hp for 30 or 45 days as some representatives has claimed. Best bet would be to app on same day for best results of the combining pulls. And even with this they still could be pulling reports twice it's just the EQ could be the one combining pulls done on the same day and not actually USAA. Hope this data point helps moving forward.