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Not the result I wanted from USAA

Frequent Contributor

Not the result I wanted from USAA

So I applied for the USAA World card and was approved for Platinum with a 4000 CL instead.  I was really hoping for a larger limit.  Does USAA allow for recon on initial credit limit?


Am i able to use the same hard inquiry towards the USAA Amex?

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Frequent Contributor

Re: Not the result I wanted from USAA


Message 2 of 4
Established Contributor

Re: Not the result I wanted from USAA

Call USAA and speak to underwriting. Explain your needs and why you expected higher.  It's worth a shot, but they may pull another HP for the additional credit.

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
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Regular Contributor

Re: Not the result I wanted from USAA

At least you got a real card from USAA. I have a good income, decent limits on other cards and own a home. All of my insurance policies are through USAA as well as an IRA.


With (then) similar scores, I was denied any real cards and offered the weak secured card instead. I declined.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-710 TU-709

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom VS 7800, Macys 7600, Lowes 6K, Pier 1 6K, Mohawk Floor 4500, TJX Mastercard 4K, Pottery Barn 4K, Amazon 3600, Talbots 3000, Barclaycard 2400, Ann Taylor 2280, Ballard Design, 1500, Victorias Secret 750, NY&CO 500, J.Crew 300

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