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USAA Luv Button Appears Less than 3 Months After Approval...?

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Valued Contributor

USAA Luv Button Appears Less than 3 Months After Approval...?

Hey y'all- 

 

So... I was approved for my USAA amex on Nov. 23, 2018  (84 days).   Yesterday, I noticed the 'change credit limit' button appeared on my account.  It wasn't there last statement cut (January) - which was my second statement (1st full statement) - I don't know exactly when it appeared, but yesterday is when I noticed it.  My 3rd statement cuts on the 18th.

 

From what I've read, the increase button generally appears at the 6 month mark as accounts aren't eligible til then.  Anyone ever have the button appear so soon after account opening (if so, results?)?

 

I did have their secured card for a full year prior to getting the amex -  I closed the secured and immediately apped for an unsecured.  I have also been an AU on another account for several years -- perhaps this combined history has something to do with it...? 

 

I know CLIs are a hard pull with them... and I'm in the garden... but I must say, I am tempted.  I will likely wait til my 6 month mark to request one but I'd still like to know if others have had experience with this...   

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 1 of 5
4 REPLIES 4
Moderator

Re: USAA Luv Button Appears Less than 3 Months After Approval...?

Years ago, with my first USAA AmEx approval, the CLI request option displayed around the 3-4 month mark and similarly for the 2nd card, but I'm not sure how/what they based that on.
Message 2 of 5
Regular Contributor

Re: USAA Luv Button Appears Less than 3 Months After Approval...?

Be careful. Same thing happened to me and I pulled the trigger only to be declined for not having the card long enough. Cost a nice HP for nothing. Not sure why USAA is having these come up but as always YMMV. 

Message 3 of 5
Valued Contributor

Re: USAA Luv Button Appears Less than 3 Months After Approval...?

Thanks for sharing your experience - a decline is exactly what i assume would happen if i were to request this early.  


@hawkins wrote:

Be careful. Same thing happened to me and I pulled the trigger only to be declined for not having the card long enough. Cost a nice HP for nothing. Not sure why USAA is having these come up but as always YMMV. 


 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 5
Community Leader
Super Contributor

Re: USAA Luv Button Appears Less than 3 Months After Approval...?

In my case even if it showed up early. Once you reached where you could submit. The system will block the request and tell you no HP was initiated.
Message 5 of 5
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