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
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.
Congratulations on your CLI!
Congrats on 3x CLI approval !!!