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USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record
Lines of Credit:
Personal Loan:
Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450
@JTC403 wrote:USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
USAA is always a hard pull, account has to be open for 6 months and your last increase has to be more then 6 months. You can request online, when you go to your card online and scroll all the way to the bottom you should see change card limit. If your not eligible you won't see that listed there. Hope that helps.
@waynes1982 wrote:
@JTC403 wrote:USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
USAA is always a hard pull, account has to be open for 6 months and your last increase has to be more then 6 months. You can request online, when you go to your card online and scroll all the way to the bottom you should see change card limit. If your not eligible you won't see that listed there. Hope that helps.
I never see that option to change card limit on my accounts. I've found that I have to initiate the CLI through secure message or calling in. It is always a hard pull and they will ask for your income, housing payment, etc. It usually takes 12-24 hours for a response. I've also heard that people with the app on Android can request through it, but that feature is not available yet on iPhone. Good luck!
@waynes1982 wrote:
@JTC403 wrote:USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
USAA is always a hard pull, account has to be open for 6 months and your last increase has to be more then 6 months. You can request online, when you go to your card online and scroll all the way to the bottom you should see change card limit. If your not eligible you won't see that listed there. Hope that helps.
+1
Its is always a hard pull, I usually call and and request a cli over the phone.




Congrats on the approval! Thanks for sharing.
I'm a partial member and have 3 cards with them. I tried out the CLI increase on my android and fortunately lucked out with 1 HP on EQ for 2 cards WMC and Amex. They raised as follows:
WMC 2yrs old 5000 starting 11000 raised to
Amex 9months 6000 starting 11000 raised to
Good luck
@JTC403 wrote:USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
Congrats on the approval! Soory no experience with USAA.
Congratulations and good luck with CLI.
@msbia wrote:
@waynes1982 wrote:
@JTC403 wrote:USAA Classic Platinum MasterCard®
Credit Limit Increase
Anyone know how to proccess a CLI
is USAA CLI SP or HP?
General terms
got approved with a 1500 limit
USAA is always a hard pull, account has to be open for 6 months and your last increase has to be more then 6 months. You can request online, when you go to your card online and scroll all the way to the bottom you should see change card limit. If your not eligible you won't see that listed there. Hope that helps.
I never see that option to change card limit on my accounts. I've found that I have to initiate the CLI through secure message or calling in. It is always a hard pull and they will ask for your income, housing payment, etc. It usually takes 12-24 hours for a response. I've also heard that people with the app on Android can request through it, but that feature is not available yet on iPhone. Good luck!
My USAA App has the option to change the credit limit. If you select the account you want an increase on, and then on the top right tap menu, you should see change credit limit. If your account isn't eligible for a cli, I don't think it will show up there. I had opened up a visa card in June, and the option just became avaiable a few days ago for me.
CONGRATS & WELCOME to the USAA family. As stated before, once you're eligible there's a link to request a CLI on your account page.