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USAA credit cards

Jnbmom
Community Leader
Senior Contributor

USAA credit cards

My usaa credit card is coming up on 6 months in November,  now I know I can request at the 6 month mark, but am I to assume it's a HP or do they sometimes give auto increases?

 

Thanks 

 

 

 

 

 

EXP 758 TU 783 EQ 729
Message 1 of 11
10 REPLIES 10
thornback
Senior Contributor

Re: USAA credit cards

Yes.  You can request every 6 months  (and it is an HP on Experian).  They also do auto increases -- but who knows how long you'll be waiting to get one -- and you may never get one -- but they claim they review for increases twice per year.

 

If your CLI request is approved, the amount of the increase is usually worth the HP (based on data points noted here).

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 11
FinStar
Moderator

Re: USAA credit cards

Auto-CLIs are not as common on their CCs IME. Even 6 months is a stretch to expect much, but it all depends on how much the CC is used and its history.

But, as far as standard CLIs go, HP is the norm for any requests.
Message 3 of 11
Jnbmom
Community Leader
Senior Contributor

Re: USAA credit cards

@FinStar  @thornback 

 

Thank you both,  darn EXP I have decent score but way too many inquires 😯 But we shall see 😆

EXP 758 TU 783 EQ 729
Message 4 of 11
Remedios
Moderator

Re: USAA credit cards

Are you going for it?
When I grow up, i want to be you

I called 🧦 bank trice, then asked some bogus question before hanging up because when it comes to them, I'm ostrich sized chicken 😐
Message 5 of 11
chiefone4u
Established Contributor

Re: USAA credit cards


@Jnbmom wrote:

@FinStar  @thornback 

 

Thank you both,  darn EXP I have decent score but way too many inquires 😯 But we shall see 😆


I had 5 inquiries previous 6 months, 34 previous 12 months and 84 previous 24 months when I requested CLI at 6 months and 3 day's (4 cards at 90% utilization). Instant approval, went from $3,000 to $9,000. As always YMMV. 

 

Best of luck! 

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 6 of 11
Jnbmom
Community Leader
Senior Contributor

Re: USAA credit cards


@Remedios wrote:
Are you going for it?
When I grow up, i want to be you

I called 🧦 bank trice, then asked some bogus question before hanging up because when it comes to them, I'm ostrich sized chicken 😐

@Remedios 

 

You know me , go big or go home 😂😂😂😂

EXP 758 TU 783 EQ 729
Message 7 of 11
Jnbmom
Community Leader
Senior Contributor

Re: USAA credit cards


@chiefone4u wrote:

@Jnbmom wrote:

@FinStar  @thornback 

 

Thank you both,  darn EXP I have decent score but way too many inquires 😯 But we shall see 😆


I had 5 inquiries previous 6 months, 34 previous 12 months and 84 previous 24 months when I requested CLI at 6 months and 3 day's (4 cards at 90% utilization). Instant approval, went from $3,000 to $9,000. As always YMMV. 

 

Best of luck! 


@chiefone4u 

 

Thanks for the DPs,  I may have a shot?

EXP 758 TU 783 EQ 729
Message 8 of 11
Remedios
Moderator

Re: USAA credit cards

I know ❤

I went home 😐😐😐😐😐
Message 9 of 11
chiefone4u
Established Contributor

Re: USAA credit cards

Anything can happen.

The CLI was on my "Rate Advantage" card.
My Fico8 was 729 the day I was approved for CLI. Income 100k+; prior to this increase my next highest major was Citi (Costco) at $5,500.

Edited to add:
AAoA 1y8m
AoYA 1m (second USAA card - cash rewards)
AoAA 12y3m
(Not sure if age of accounts matters)

It is as others have said, a hard pull.
BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 10 of 11
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