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USAA Limitless CLI

UncleB
Moderator

Re: USAA Limitless CLI

Thanks everyone for the kind words... if it wasn't for you guys I would likely still be using my debit card for everything.  Smiley Happy

 

I have an interesting tidbit to add... I just got an alert that they pulled ExperianSmiley Surprised

 

I don't know if they use FICO 8 or a different version (they used to use the FICO 5 (mortgage) version of EQ) but in any case my EX FICO 8 is 757 which is slightly higher than EQ so that could have been in my favor.  If they happen to use the mortgage version of EX (FICO 2) then they pulled 724 (as of 8/27), which is 10 points lower than my EQ FICO 5 that I was expecting them to use.

 

In any case I got what I wanted so I'm a happy camper... I'm only adding the minutia here in case anybody is interested.  Smiley Wink

 

Side note:  I did have system problems with the request at first, but I'm not sure if that has anything to do with the change to EX or if that's just what they pull now.  I was initially afraid I got a 'double-pull', but so far there's no evidence of a pull on EQ.

Message 11 of 29
Gmood1
Community Leader
Super Contributor

Re: USAA Limitless CLI

I wonder if Equifax's latest fail had anything to do with it?
Message 12 of 29
UncleB
Moderator

Re: USAA Limitless CLI


@Gmood1 wrote:
I wonder if Equifax's latest fail had anything to do with it?

That did cross my mind... of course all we can do is speculate for now. (Speculating is fun, though!)  Smiley Happy

 

There are other one-off reports here and there of them pulling EX for new credit card applications, but they aren't that common.  My case might be one of those type 'exceptions' as well. 

 

It will be interesting to see what others report for USAA CLIs going forward.  Smiley Happy

Message 13 of 29
Gmood1
Community Leader
Super Contributor

Re: USAA Limitless CLI

I'll report in about two months and let you know😉. They've always pulled EQ for my CLIs.
Message 14 of 29
JMED2
Frequent Contributor

Re: USAA Limitless CLI

Major Congrats Uncle B!!!  I Heart me some USAA!!!  Smiley Happy

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 15 of 29
Irish80
Moderator Emeritus

Re: USAA Limitless CLI

Congrats!  You're making me very tempted to apply for this card 

Message 16 of 29
UncleB
Moderator

Re: USAA Limitless CLI


@Irish80 wrote:

Congrats!  You're making me very tempted to apply for this card 


Thanks!  LOL... sorry to be a bad influence!  Smiley Very Happy

 

It's actually my favorite card... for someone who's not into points or miles it's darn-near perfect.  Many times I've been tempted to use it instead of my 3% cards just to keep things simple... I'm not there yet (haha) but at least if I get tired of the 'game' of watching every penny I know it's an option.

 

If it does have a weakness it would be the lack of a sign-up offer... even my boring old USAA Platinum gave me $25.  It can be argued that even earning 2.5% it still takes a good bit of spending to equal just one good sign-up bonus (which is true), but for the long-haul it's solid.  Smiley Happy

Message 17 of 29
JoeLuvsHisCredit
Valued Contributor

Re: USAA Limitless CLI


@UncleB wrote:

@Irish80 wrote:

Congrats!  You're making me very tempted to apply for this card 


Thanks!  LOL... sorry to be a bad influence!  Smiley Very Happy

 

It's actually my favorite card... for someone who's not into points or miles it's darn-near perfect.  Many times I've been tempted to use it instead of my 3% cards just to keep things simple... I'm not there yet (haha) but at least if I get tired of the 'game' of watching every penny I know it's an option.

 

If it does have a weakness it would be the lack of a sign-up offer... even my boring old USAA Platinum gave me $25.  It can be argued that even earning 2.5% it still takes a good bit of spending to equal just one good sign-up bonus (which is true), but for the long-haul it's solid.  Smiley Happy


Yes Irish80     

UncleB is a bad influence at least for me when it comes to USAA lol.

Hey UncleB you know I got my clis on both of my cards couple months ago but my "change limit' opition is still showing up is that normal? It never went away after my clis.

Thank you very much

Message 18 of 29
UncleB
Moderator

Re: USAA Limitless CLI


@JoeLuvsHisCredit wrote:

@UncleB wrote:

@Irish80 wrote:

Congrats!  You're making me very tempted to apply for this card 


Thanks!  LOL... sorry to be a bad influence!  Smiley Very Happy

 

It's actually my favorite card... for someone who's not into points or miles it's darn-near perfect.  Many times I've been tempted to use it instead of my 3% cards just to keep things simple... I'm not there yet (haha) but at least if I get tired of the 'game' of watching every penny I know it's an option.

 

If it does have a weakness it would be the lack of a sign-up offer... even my boring old USAA Platinum gave me $25.  It can be argued that even earning 2.5% it still takes a good bit of spending to equal just one good sign-up bonus (which is true), but for the long-haul it's solid.  Smiley Happy


Yes Irish80     

UncleB is a bad influence at least for me when it comes to USAA lol.

Hey UncleB you know I got my clis on both of my cards couple months ago but my "change limit' opition is still showing up is that normal? It never went away after my clis.

Thank you very much


Hi @JoeLuvsHisCredit, that's a head-scratcher for sure. 

 

When I went for a CLI on my USAA Platinum back in March the CLI option went away; honestly I didn't pay attention to when it reappeared since I seldom look at that card on my USAA dashboard (and even when I do the option is tucked away at the very bottom of the screen).  Of course in the past having the link return would have indicated you were eligible to try again, but if it's only been a couple of months I don't know. 

 

In any case it would be a HP even if it did let you try, so you would have to take that into consideration.  If you decide to give it a try, let us know how it goes!

 

Sorry I couldn't be more helpful.  Smiley Sad

Message 19 of 29
wedge71
Contributor

Re: USAA Limitless CLI

Congrats on the awesome CLI! I'm about to be 31 days into my Limitless and I'm wearing it out. It gets most of my usage now except for using Disco for 5% bonus. The cash back adds up quick. I hope to match your CLI in 5 months!

EQ 679 EX 710 TU 717 FICO 8 (10/2017) USAA Rewards Visa Signature 12k | USAA Limitless Visa 3k | NFCU Platinum Visa 3.9k | Discover it 5.3k | Amex BCE 6k | Citi Costco Visa 5.5k | Citi Diamond Preferred MC 2k | Paypal Extras MC 8k | Firestone 2.2k | Wayfair 5.6k | Target Redcard 300
Message 20 of 29
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