NFCU AND USAA CLI

[tmoney]

Anyone familiar with how often NFCU and USAA give CLI. Is it auto cli or do you have to call and request?

[rubaty]

I have had my USAA cards since Dec 2007 and have never received a CLI but both my cards started at 20K.

[Anonymous]

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@tmoney wrote:
Anyone familiar with how often NFCU and USAA give CLI. Is it auto cli or do you have to call and request?

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Good question!

I agree with Rubaty regarding USAA.  They no longer have a Luv button and their CLIs are supposed to be system generated when warranted.  I believe at the higher CLs CLIs are few and far between, but at lower CLs I'd say give them at least 6 months.

I do know you can call USAA and ask for an increase, but I'm not sure if it is a hard pull or not and I think they have to refer the issue to underwriters for a decision.

I may be wrong, but I would imagine that CLIs may takle a back seat to the expected flood of new members USAA is experiencing after opening up to all who have served.  Perhaps they are using their capital to issue new cards to new members instead of thinking about substantial CLIs for current cardholders???

[Anonymous]

I joined NFCU in May '08, and immediately apllied for, and received, a nRewards MC and a Flagship VISA. In Novemer '08, I called them and inquired if I might be eligible for a line increase on either or both cards. CS rep., who was very helpful, indicated I was already preapproved for an increase of 8,000 on both cards. Thing is, I had to call them.

Two months later, sometime in January '09, I checked my accounts online and saw both cards had been increased by 2k. That was done without an inquiry by me. In both instances, my EQ report was not checked, not even a soft inquiry. Evidently, NFCU bases their increases on your payment history. They may factor in other things, but for sure they do not pull a hard.  At least that was my experience.

BTW, my NavChek line, which was opened in September '08 has never been increased.

[Anonymous]

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@tmoney wrote:
Anyone familiar with how often NFCU and USAA give CLI. Is it auto cli or do you have to call and request?

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I don't know about NFCU but I have two cards with USAA.  They have a description on the website saying you can CANCEL the automatic CLI by clicking on a link.  However, I've never actually recieved an automatic increase with them.  Both times I've called and they've been happy to do it.  I asked and it is a soft pull (unless, like me, you ask for a new card at the same time).  I think it's also helpful with them to have a reason.  The first time I asked, I told them I was getting married (because well...I was!) and they doubled my CLI.  The second time, I was applying for a new card and asked and they doubled it again!

With either group, proving you are a good customer in several areas of their products will help with getting a CLI.

[recoverychick]

I recieved my USAA AMex May 09 with no cli to date, but it started at 18K.  I got my NFCU MC in Sept 09 at 10K.  Six months later they increased it to 20K.  They asked me if I wanted the increase over the phone when I called in for something else. Soft pull. Good luck.

[Anonymous]

I've had my USAA AMEX since June. Its been at 5k since I've got it. Im hoping when the one year comes around they will increase it. I also have checking and savings through them, and will be adding auto insurance soon.

[JagerBombs89]

After having USAA for 18 months, and starting out with a CL of $500, I requested a CLI and they only gave me $500 increase.  They told me that they used the score/report from 18 months prior to base their decision.  Im going to request another one once my balances report and my utilization drops alot more