USAA CC

[NP27]

Is USAA CC SP CLI?

If so, what bureau?

[Gmood1]

It's a HP on EQ.

[Anonymous]

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@Gmood1 wrote:
It's a HP on EQ.

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Havent they started using EX quite a bit lately?

[Gmood1]

I haven't seen it on my last couple of request. They've all been EQ. I do remember seeing a few members mentioning they pulled or may pull EX.

[Anonymous]

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@Gmood1 wrote:
I haven't seen it on my last couple of request. They've all been EQ. I do remember seeing a few members mentioning they pulled or may pull EX.

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Good info.  I have never applied for a CLI on my card so was curious myself.

[fullstackdev]

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@Anonymous wrote:

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@Gmood1 wrote:
It's a HP on EQ.

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Havent they started using EX quite a bit lately?

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They pulled EX recently when I applied for a personal loan, but EQ for my two new cards and CLI's.

[Anonymous]

From my understanding when I spoke to a rep about my secured card I have with them is that they pull EQ for credit increases and general inquiries but do perform AR every 60 days or so. Plus I got a new (unsecured) card a few months ago and the letter I got in the mail with the card stated that they'll periodically review my account for future CLI with good payment history.

I didn't get the impression that it was HP but then again I didn't even think to ask at the time. Now off to do some more research.

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@NP27 wrote:

Is USAA CC SP CLI?

If so, what bureau?

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[Anonymous]

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@Anonymous wrote:

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@Gmood1 wrote:
I haven't seen it on my last couple of request. They've all been EQ. I do remember seeing a few members mentioning they pulled or may pull EX.

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Good info.  I have never applied for a CLI on my card so was curious myself.

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Go for a CLI and report ... interested myself but holding off just incase I could get an approval for a USAA Limitless Cash Rewards Visa. As a solid rule of thumb USAA gets excited to do HPs ... SPs are rare, even called in a couple of times and tried various routes to an SP increase but ended up with a hit in the credit bureaus.

[UncleB]

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@Anonymous wrote:

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@Anonymous wrote:

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@Gmood1 wrote:
I haven't seen it on my last couple of request. They've all been EQ. I do remember seeing a few members mentioning they pulled or may pull EX.

---

Good info.  I have never applied for a CLI on my card so was curious myself.

---

Go for a CLI and report ... interested myself but holding off just incase I could get an approval for a USAA Limitless Cash Rewards Visa. As a solid rule of thumb USAA gets excited to do HPs ... SPs are rare, even called in a couple of times and tried various routes to an SP increase but ended up with a hit in the credit bureaus.

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+1

I got a SP/auto-CLI last year, but it was modest ($1400)... from what I've read when people are willing to take the HP many times USAA will make it worth the trouble.

In my case I'm also holding out for the Limitless to be offered nationwide... I've never thought about asking for a HP CLI on my existing USAA Visa since honestly I just don't use it that much.  It's their 1% card so I just use it for overdraft protection and for no-fee cash advanced (then I quickly BT somewhere else).

I also know USAA is said by some to be on the conservative side, and I also don't want to 'spook' them by already having too much credit with them when I app.  (I'm aware they might also be spooked by my existing credit with other issuers, but that 'ship has sailed'; all I can do now is hope... LOL)

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Gmood1 wrote:
I haven't seen it on my last couple of request. They've all been EQ. I do remember seeing a few members mentioning they pulled or may pull EX.

---

Good info.  I have never applied for a CLI on my card so was curious myself.

---

Go for a CLI and report ... interested myself but holding off just incase I could get an approval for a USAA Limitless Cash Rewards Visa. As a solid rule of thumb USAA gets excited to do HPs ... SPs are rare, even called in a couple of times and tried various routes to an SP increase but ended up with a hit in the credit bureaus.

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+1

I got a SP/auto-CLI last year, but it was modest ($1400)... from what I've read when people are willing to take the HP many times USAA will make it worth the trouble.

In my case I'm also holding out for the Limitless to be offered nationwide... I've never thought about asking for a HP CLI on my existing USAA Visa since honestly I just don't use it that much.  It's their 1% card so I just use it for overdraft protection and for no-fee cash advanced (then I quickly BT somewhere else).

I also know USAA is said by some to be on the conservative side, and I also don't want to 'spook' them by already having too much credit with them when I app.  (I'm aware they might also be spooked by my existing credit with other issuers, but that 'ship has sailed'; all I can do now is hope... LOL)

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Yes, conservative. My USAA AX Rewards had a $1K limit for four years. Called in and a frontline rep ran my CLI request through the computer (no SP) so I took the hit and it gave me $1K increase. Truth, I was not happy so I said lets talk to some one with credit authority and they let me. That person used the HP and asked me what I wanted, said $5K. Disappeared and came back and said approved. Figured nothing ventured nothing gained as the HP was already on the bureau. Later went back and obtained an increase of $3K to my USAA World Mastercard approved by the computer with an HP. Ever do it again, I will try to do the CLIs with one HP.