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USAA Cash Rewards & USAA CLI

New Member

USAA Cash Rewards & USAA CLI

Hi there,


About 6 months ago, I applied the first US Credit card at USAA.  I was approved Preferred Cash Reward Visa with $500 limit.  And a few days ago, I did online chat with USAA rep because I wanted to request CLI.  I got offer $1500 CLI so now my credit limit for this card is $2000.  I know it's still so low but I'm glad I got CLI.


This morning I applied NFCU Cash Reward credit card online and I got an instant approval. The limit is $13000 with APR 15.40%.  I was surprised!Smiley Surprised I have only 6 month credit history and I just opened NFCU membership saving account (for $5) a few days ago.  


Before I request CLI at USAA, my Equifax was 684.  But now my Equifax is 678 because of USAA inquiry for CLI.

Before I applied NFCU membership, my TransUnion was 698. But now my TransUnion is 684 because of NFCU inquiry for membership.

I know I will get another inquiry for NFCU CC application.  However, I received $13000 credit limit so I really hope my credit score will be fine!


Message 1 of 6
Senior Contributor

Re: USAA Cash Rewards & USAA CLI

Hey congrats on the approval and CLI , my 6 mth is coming up for both of my Usaa ccs next mth
Message 2 of 6
New Member

Re: USAA Cash Rewards & USAA CLI

Thanks! Smiley Happy

Message 3 of 6
Frequent Contributor

Re: USAA Cash Rewards & USAA CLI

Major Congrats!!!  I Heartme some USAA!!!  Heart

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 4 of 6
Moderator Emeritus

Re: USAA Cash Rewards & USAA CLI

Great approvals and CL with NFCU! Grats ...
Message 5 of 6
Valued Contributor

Re: USAA Cash Rewards & USAA CLI

The $13,000 credit limit will allow you to have more debt reporting without a negative effect on your score.

Now if you have $1,100 of debt report you will still be using less than 9% of your credit line. 


I do not advocate carrying Credit Card debt, but now letting a small balance report will not kill your scores.


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