I got both my USAA Preferred Cash Rewards Visa and Discover It Miles in December 2017. I tried the luv button on Discover after the first three statements but got denied. Today, I went for it again and got a $500 CLI. I also sacrificed a hard pull (I think) making my first increase request with USAA and got an $11K CLI with them.
Some DPs:
- Had both cards for almost 7 months; only 1 CLI request (Discover) before today
- I have 3 banking accounts with USAA and an auto insurance account and have been a member for a year
- My Discover Utilization is 31% with a balance @ 0% interest (trying to rack up the double miles) and USAA Utilization was about 5% and I've only carried a balance for once for 1 month also @ 0% interest
- Overall Utilization is 17%
Let me know if you have any other questions. Glad to help. This community has given me so much good advice, thanks all!
