USAA CC

[zoe15]

I've had a USAA MC with a 3K CL for a little over 6 months now, and I've been using it responsibly.  Last week was the first time I noticed something under "My Offers," a limited-time 0% APR offer on courtesy checks and balance transfers.  Today, there was a Pre-Approval for an auto loan.  I don't plan to take advantage of these offers, but I was wondering if this might indicate USAA might soon be willing to give me a CLI or approve an additional product.  Or, perhaps this is wishful thinking on my part?

[quest208]

ive been with usaa for a short time. 

but i dont see why you cant get a CL.  but im sorry i do not know whether the CL is a soft or a hard pull, but i would say your utilization should be low before you ask for CLI.  but i thinkyou're ripe for something good to happen.  i'll wait for others to chime in

[bichonmom]

I'd call and ask if a CLI request is a HP or SP, and then go for it if it's soft. Most banks and CUs have told me that 6-9 mos. is a good time frame to ask for a CLI.

[zoe15]

Ok, great.  Thanks for your help!

[OneStepFurther]

I've had their MC with same CL for about 9 mos but got/accepted the offer for a 1.9% APR.  I applied for the rate advantage thinking maybe I can get the same or better CL but they ended up only giving me $1000 CL.  I called afterwards and asked if I could get the same 1.9% offer but was told no, it's only offered to certain accounts.  He then suggested seeing if I could get approved for a CLI for the first acct., took my info, giggled and said they can give me a $1500 CLI for the first acct...so basically I got $2500.  lol 

Of course, I said okay.

Because of my experience, I'm kinda inclined to say that if they extend the offer for the BT, then it may be a good indication that you'd be a good candidate for the CLI or additional card.  This was the first time I'd gotten any kind of offer beyond the investment/insurance kind of things. Good luck. 

Edited:  The offer was for the 1.9% APR balance transfer.

[drkaje]

6 months is about the time frame where they review files and determine if anyone gets a CLI or interest rate reduction. Got this from a USAA CSR. She said to use the card, pay in full and they'll automatically review my file in 6 months. Have had the card less than 6 months, though.

[CS800]

I can confirm that after talking to USAA credit people, they told me 6 month is the min wait to be considered for a CLI. I spoke to two of them in the past 2 weeks.

[dalebb]

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@zoe15 wrote:

I've had a USAA MC with a 3K CL for a little over 6 months now, and I've been using it responsibly.  Last week was the first time I noticed something under "My Offers," a limited-time 0% APR offer on courtesy checks and balance transfers.  Today, there was a Pre-Approval for an auto loan.  I don't plan to take advantage of these offers, but I was wondering if this might indicate USAA might soon be willing to give me a CLI or approve an additional product.  Or, perhaps this is wishful thinking on my part?

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[zoe15]

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@dalebb wrote:

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@zoe15 wrote:

I've had a USAA MC with a 3K CL for a little over 6 months now, and I've been using it responsibly.  Last week was the first time I noticed something under "My Offers," a limited-time 0% APR offer on courtesy checks and balance transfers.  Today, there was a Pre-Approval for an auto loan.  I don't plan to take advantage of these offers, but I was wondering if this might indicate USAA might soon be willing to give me a CLI or approve an additional product.  Or, perhaps this is wishful thinking on my part?

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I meant an additional CC.  Sorry for the confusion.

[zoe15]

Thanks for your replies!  I'll request the CLI or an additional card soon.