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USAA CLI - Data Points

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UncleB
Credit Mentor

USAA CLI - Data Points

USAA has an "Offer" for my usually SD'd 'Platinum' Visa... it's for BTs at 0% until April 2018 with no fee.

 

I was about to do a BT to another card anyway so this will work out well, and will save a little money.  Since I plan to carry the balance through the year my chances at getting a CLI later on might not be optimal, so I figured I would see about getting a bump now.

 

Previous CL was $8400, new CL is $12k.

 

USAACLI2017.png

 

I opened the account Nov 2015 with a SL of $7k, which was very generous at the time considering I still had a couple of old baddies reporting and my largest credit line at the time was Capital One at $1900. 

 

I'll always give USAA credit for 'jump starting' my rebuild, and if it weren't for them I doubt I would be where I am now.

 

This account got an auto-CLI to $8400 when it was around a year old; during that time I used it heavily and carried a balance (there was a 0% new account promo).  There has been no movement since then, and this is my first CLI request.

 

It was a HP (they disclose that it is) and my EQ FICO 8 as of two days ago is 741 (my lowest), but USAA doesn't use FICO 8 and historically the version they use is always a bit lower (I found this out when I was approved for the Limitless).  In any case, for a card that has seen less than $100 in swipes in the last 12 months (possibly longer) I'm pleased with the outcome.

 

Hopefully these data points will be helpful.  Smiley Happy

Message 1 of 15
14 REPLIES 14
creditguy
Valued Contributor

Re: USAA CLI - Data Points

Congrats, and thanks for sharing the data points. USAA has always been hit or miss to me but i'm glad they have and are treating you good. 

Message 2 of 15
UncleB
Credit Mentor

Re: USAA CLI - Data Points


@creditguy wrote:

Congrats, and thanks for sharing the data points. USAA has always been hit or miss to me but i'm glad they have and are treating you good. 


Thanks!

 

They are a strange bird, indeed.  They approved me for a new card with a $7k SL in 2015 with a thin, dirty file, but last month with scores 70+ points higher they approved my Limitless for $5500 (and the highest APR).  Smiley Frustrated

 

I'm not even going to bother with a CLI request on the Limitless until after the BT is PIF, which will be next spring (and there's no link for me to get one now... I've already checked... LOL).  Since I'll keep the Limitless PIF anyway it's OK where it is.  (I'm the first to admit it's hard not to always be pushing for more, more!)

 

There aren't too many data points around on USAA, so hopefully somebody will get some use from this info.  Smiley Happy

Message 3 of 15
Aduke1122
Senior Contributor

Re: USAA CLI - Data Points

Yay Congrats UncB that's awesome !!
Message 4 of 15
Credit-hoarder
Valued Contributor

Re: USAA CLI - Data Points

Congrats UncleB. Although USAA gave me my first "big boy" limit of $11K when I started my rebuild 3.5 years ago, they've been hit or miss (more miss) with me on CLIs every since. After numerous wasted HP's between April 14" and Juily 16' they finally approved the July one last Summer. But when I took another HP to get one in January--Zilch. I've decided no more HP's for them until June 2018--until then my $19K limit will have to suffice.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 5 of 15
AverageJoesCredit
Legendary Contributor

Re: USAA CLI - Data Points

And just like that YOU'rrrrrrrrrrreeeeeeeeBAAAAACKSmiley Happy

Haha, great job UncleB, nothin wrong getting your platinum on, job well done ....Now you can afford to put $10 more in swipesSmiley Happy
Message 6 of 15
kevinjjc
Valued Contributor

Re: USAA CLI - Data Points

Woohoo! Congrats! Thanks for the USAA datapoints.

Message 7 of 15
CreditMagic7
Mega Contributor

Re: USAA CLI - Data Points

So glad to see USAA pushing on through for you UncleB. Smiley Happy

 

Congratulations!!!

Message 8 of 15
One7
Valued Contributor

Re: USAA CLI - Data Points

Nice increase, congratulations

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 9 of 15
Anonymous
Not applicable

Re: USAA CLI - Data Points

Congratulations, UncleB - I'm very glad to hear this news. I know that USAA has not always been the easiest to predict in your journey with them, and I'm pleased to hear that they are being good to you! Smiley Happy

Message 10 of 15
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