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How many USAA credit cards can you have?

alisadarrick
Regular Contributor

How many USAA credit cards can you have?

Hello - does anyone know if there is a limit on the number of credit card accounts you can have open with USAA?  Thanks.

BK7 Meeting of Creditors 12/14 Discharged 2/15
EQ 630
EX 631
TU 653
Message 1 of 18
17 REPLIES 17
alisadarrick
Regular Contributor

Re: How many USAA credit cards can you have?

Nvm.  I know the answer to my own question.  The answer seems to be 2.

BK7 Meeting of Creditors 12/14 Discharged 2/15
EQ 630
EX 631
TU 653
Message 2 of 18
baller4life
Super Contributor

Re: How many USAA credit cards can you have?

Yes 2. Although I have seen someone with 3
Message 3 of 18
micheland30
Established Contributor

Re: How many USAA credit cards can you have?

There is not a maximum of cards, it is actually tota creditl limit. As an individual, all of your cards can have no more than $30,000 combined. As a joint account with someone, no more than $50,000.
Message 4 of 18
baller4life
Super Contributor

Re: How many USAA credit cards can you have?


@micheland30 wrote:
There is not a maximum of cards, it is actually tota creditl limit. As an individual, all of your cards can have no more than $30,000 combined. As a joint account with someone, no more than $50,000.

That is correct. It goes by max exposure. However, I was just told that individual max exposure is $50k.

Message 5 of 18
someone379
Regular Contributor

Re: How many USAA credit cards can you have?

I've looked at the USAA cards and now I'm just curious, why would you want more than one of what they offer? Just wondering if I'm missing something Smiley Happy     I use USAA for my banking and auto insurance, but have never applied for a card.

 


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Message 6 of 18
msbia
Established Contributor

Re: How many USAA credit cards can you have?


@baller4life wrote:

@micheland30 wrote:
There is not a maximum of cards, it is actually tota creditl limit. As an individual, all of your cards can have no more than $30,000 combined. As a joint account with someone, no more than $50,000.

That is correct. It goes by max exposure. However, I was just told that individual max exposure is $50k.


This is correct. Max exposure is $50k. I, at one time, had four cards with them and eventually closed all but one. That one is at $29k and due for CLI in August; I don't know whether I want it or not. Too much credit is not always a good thing. 

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Message 7 of 18
JMED2
Frequent Contributor

Re: How many USAA credit cards can you have?

Heck, I got 5!!!  Smiley Happy

Actually 6, but my pre-paid AMEX for

re-building will be retired soon.

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 8 of 18
waynes1982
Frequent Contributor

Re: How many USAA credit cards can you have?

I have three cards with them

 

Amex 12K

Visa 24K

Mastercard 12K

 

Total exposure is $48K, if only they would cominbe the cards into one card!!!! Smiley Sad

Gardening since 06/01/2016


Message 9 of 18
msbia
Established Contributor

Re: How many USAA credit cards can you have?


@waynes1982 wrote:

I have three cards with them

 

Amex 12K

Visa 24K

Mastercard 12K

 

Total exposure is $48K, if only they would cominbe the cards into one card!!!! Smiley Sad


You could close the two $12k cards, wait a billing cycle or until the CLI link shows on your account and increase the remaining card. It would go pretty high. Hard pull but so are all increases and new cards with USAA. 

Personal Credit? Check. Business Credit? Check.
Mission Accomplished.
Thanks MyFico!
Message 10 of 18
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