My USAA Preferred Cash Rewards Visa passed the 6 month mark last week and the CLI Luv Button appeared right on schedule (12:01am CST on day 181 from opening).
I'd opened this card to take advantage of a 12 month BT offer and it was sitting at 59% individual utility, thus holding down my FICO scores.
Waited for some fresh data to report and hit the Luv Button last night to be rewarded with an instant doubling of my CL from $13k to $26k and bringing the utility on that card down to just under 30%.
The bump from the utility drop will end up outweighing the ding from the HP. As the title says - SO worth the HP on EQ.
EQ FICO08 - 749
AAoA - 4.4 years
Income - Low 6 figures
Average credit line - ~$25,000 across 16 cards
Congrats. I have the USAA preferred cash visa and it was originally at 7k. I had to do some calling in to update my address and such and told them that I went back into the service, but as a reservist this time. Then one day, when I went to pay my bill, I found that they had given me an auto CLI, bumping me up to 8.1k and I have/had about 85% util on it.
But congrats, it's always awesome to get a CLI...now if only Chase and Citi would do so.