Yes, it is hard to get the USAA® Rewards™ Visa Signature® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the USAA Rewards Visa.
In order to get the USAA Rewards Visa, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN and a USAA membership.
Keep in mind that even if you meet all of the requirements for the USAA Rewards Visa, you’re never guaranteed to be approved.
All USAA credit cards require good credit or better for approval, so they are all equally easy (or hard) to get. That doesn’t necessarily make USAA credit cards easy for anyone to get, though, because the average credit score is right on the edge of good credit. USAA does not currently issue any credit cards for people with less-than-good credit.… read full answer
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a USAA credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
USAA will automatically increase the credit limit for eligible credit card accounts based on periodic account reviews that typically begin six months after an account is opened. Automatic credit limit increases are done at USAA's discretion, and there's no guarantee when one will occur.
You don't have to do anything for USAA to review your account for an automatic increase. However, taking the following steps will boost the odds of getting USAA to automatically increase your credit limit:
Pay the bill on time for at least the first six months that you have the card.
Update your account profile if your income has gone up since you applied for the card.
How a USAA Automatic Credit Limit Increase Affects Your Credit Score
A USAA automatic credit limit increase requires a soft pull of your credit, which does not affect your credit score.
USAA may offer you the option to decline the automatic credit limit increase amount and request a higher increase. If you decline and ask for a higher amount, USAA will conduct a hard pull on your credit report, but they cannot do so without your permission.
A hard pull may lead to a slight decrease in your credit score, but your score should bounce back after a few consecutive months of timely payments. You can keep track of your progress with free daily credit score updates from WalletHub.
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