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Got an offer in mail for USAA. I have scores of 702 TU and 697 EQ and wanted to get an idea of what kind of limit Iwould receieve.
do you have any baddies?
$9,000 CL
2 Year membership
went from $1500 to $9000 with a 696 EQ.
AAoA 1 year, oldest 2 year.
No baddies. $36k income
#1 - $25k
#2 - $25k
#3 - $3k
My scores are all 727 I have Amex with them for 15K and World MC for 5k. When I got the 5K the LO said it was low because I just opened the AMEX and a PL, but to call in 6 months and they will review for a CLI. I just logged in today and got another offer from them for a CC pre Approved for 25K. Not taking it just yet though:-)
What other products do you have with them? How long have you been a member? Is this your first card? Are you a "full member"?
USAA can be quite generous with limits and if you don't get one intitally, they will raise them when you call in.
I think I was approved for $6k for my first card with them and that went to $12k and then now is $24k in the time span of 2 years...however, my second card with them I had been a member longer and have more products so I approved for $14k right away. That being said, they have some kind of internal limit and with the new laws...there is a max they will allow you to have for your income level across all their products.
But you should be able to get at least $3k-$5k with them with those scores if you have other products and a long history with them.
Finally, don't forget to check online first and see if you have any offers there.
Good luck!
Limited member
No other accounts
No history with them
Income = 63K
Clean reports
Approved in March for 14,200
High APR though - 18.9%
See scores below
@Itsmeagain wrote:Limited member
No other accounts
No history with them
Income = 63K
Clean reports
Approved in March for 14,200
High APR though - 18.9%
See scores below
That there is a difference in interest rates between full members and limited members seems to be a common occurrence.