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USAA CLI to $8,000!!!!

Valued Contributor

USAA CLI to $8,000!!!!

Hi All, 


So the last card I got was my USAA 5% gas amex earlier this year. It was approved in June and was approved at my lowest limit yet, but the 5% return on gas and instant posting of rewards more than made up for it, plus I've banked with USAA for 10 years now and have had extremely minimal complaints. 


Today was day 181 and like clockwork my "change credit limit" link popped up and I went for it. 


Approved from $2,500 to $8,000 -- was hoping for at least $10k, but a 3x+ increase is nothing to sneeze at, so I'll take it! At least this way if I'm pushing $300-$400 on balances for gas a month it will keep me well under 10% UTI. 



EX HP - 772

Inq in 6 months - 3 // Inq in 12 months - 10

New accounts in 6 months - 3 // New accounts in 12 months - 5

UTI 1% - $3.9k/$365k

USAA Relationship - core banking (direct deposit), several savings & checking accounts, auto and home insurance, 3 credit cards. Fairly established rapport with USAA



Message 1 of 9
Valued Contributor

Re: USAA CLI to $8,000!!!!

Congrats on the CLI! 3x limit increase is definitely a big plus.

Scores - All bureaus 756 +
TCL - Est. $275K
Message 2 of 9
Senior Contributor

Re: USAA CLI to $8,000!!!!

Wow, nice increase- Congrats!!

I just got this card in November and it's great. SL is 8K and I'm perfectly fine with that but 10K+ would also be wonderful so looking forward to seeing that link for a possible cli at 6 months.

Enjoy your new CL!!!
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  

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 3 of 9
Senior Contributor

Re: USAA CLI to $8,000!!!!

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:

On the chopping block:

Message 4 of 9
Senior Contributor

Re: USAA CLI to $8,000!!!!

Congrats on 3x CLI approval !!!


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 9
Senior Contributor

Re: USAA CLI to $8,000!!!!


Message 6 of 9
Moderator Emeritus

Re: USAA CLI to $8,000!!!!

Well that's a pretty sweep bump for the holidays.  Enjoy!

Message 7 of 9
Established Contributor

Re: USAA CLI to $8,000!!!!

credit_is_crack is winning! Whoop whoop.




3B profile optimization in progress...
Message 8 of 9
Regular Contributor

Re: USAA CLI to $8,000!!!!

Congrats!!!!! USAA won’t give me a penny!

Starting Score: on 4/16 2016
Current Score: as of 05/19/2021
Goal Score: 800
In my wallet: a jacked up Utilization Rate.
Message 9 of 9
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