USAA CLI button?

[Anonymous]

I'm a little confused because I THOUGHT the change CL button didn't appear if you weren't eligible. It doesn't appear for my WW Amex which is only about 4 months old BUT, it does appear for my RA MC & my VISA despite getting CLIs 2 months ago.

I'd like to use the Amex to benefit the Wounded Warrior program as much as possible

[FinStar]

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@Anonymous wrote:

I'm a little confused because I THOUGHT the change CL button didn't appear if you weren't eligible. It doesn't appear for my WW Amex which is only about 4 months old BUT, it does appear for my RA MC & my VISA despite getting CLIs 2 months ago.

I'd like to use the Amex to benefit the Wounded Warrior program as much as possible

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Depending on the product, it may or may not be available for some profiles depending on account eligibility.  Keep in mind, you can still request a CLI via phone (if the system allows it), but regardless of which method you choose, it will be a HP.  There are no SPs for CLI for any of their cards unless you receive an auto-CLI.

[empiror22]

if the card is less then 6 months then the cli button will not be there until at least that time frame.

[Anonymous]

I thought it disappered if you recently had a CLI, too?

[FinStar]

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@Anonymous wrote:

I thought it disappered if you recently had a CLI, too?

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Not necessarily.  It may just display an error that your request cannot be processed at that point in time.

[UncleB]

Yeah, that HP for a CLI with them is a bummer... 

They are a good, solid bank with decent cards (and great checking) but this is one thing I wish they would change.  They clearly do ARs on a regular basis, the only reason to do an HP for a CLI request is to discourage folks from seeking one unless it's truly needed, in my opinion...

[FinStar]

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@UncleB wrote:

Yeah, that HP for a CLI with them is a bummer... 

They are a good, solid bank with decent cards (and great checking) but this is one thing I wish they would change.  They clearly do ARs on a regular basis, the only reason to do an HP for a CLI request is to discourage folks from seeking one unless it's truly needed, in my opinion...

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Right.  But once you've established a great track record with them, they are very generous.  I have two AmEx CCs with them and I have reached their maximum exposure but  they grew pretty fast - $50K combined across all CC products is the max in case anyone is curious.

[CreditUnionFan]

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@FinStar wrote:

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@UncleB wrote:

Yeah, that HP for a CLI with them is a bummer... 

They are a good, solid bank with decent cards (and great checking) but this is one thing I wish they would change.  They clearly do ARs on a regular basis, the only reason to do an HP for a CLI request is to discourage folks from seeking one unless it's truly needed, in my opinion...

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Right.  But once you've established a great track record with them, they are very generous.  I have two AmEx CCs with them and I have reached their maximum exposure but  they grew pretty fast - $50K combined across all CC products is the max in case anyone is curious.

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I was curious, thanks!  

I have one card with them stuck at $4k and I don't use it a lot as a result. 

[takeshi74]

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@UncleB wrote:

Yeah, that HP for a CLI with them is a bummer... 

They are a good, solid bank with decent cards (and great checking) but this is one thing I wish they would change.  They clearly do ARs on a regular basis, the only reason to do an HP for a CLI request is to discourage folks from seeking one unless it's truly needed, in my opinion...

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HP's are a small factor though they tend to have a bigger impact those with thinner profiles and profiles that are not in shape.  I requested CLI's on my USAA cards not too long ago and didn't really "need" the additional credit aside from utilization padding which, in addition to AAoA padding is why I keep them.  The rewards aren't worthwhile to me but the limits are sufficiently large and they are among my oldest cards.

[Anonymous]

I agree with your assessment of USAA cards, decent CLs but, poor rewards. I use the WW AmEx to aid that program. I've never been offered the 0% APR except as a BT option.