Roberta Fernandez, Member
@roberta_F21
It is reportedly possible to get a credit limit of up to $50,000 on certain USAA credit cards, but USAA does not list minimum credit limits in its credit card terms and conditions. You won’t know how much your credit limit will be until after you’re approved for an account. Applicants with high incomes and excellent credit will generally get the highest USAA credit limits.
While you may have only a slight indication of your potential USAA credit limit before you apply, this shouldn’t be too much of a concern, as many credit card companies don’t publicly disclose minimum credit limits. Plus, if you end up with a low credit limit, you can eventually ask for a credit limit increase.
People also ask
What are the USAA credit score requirements?
The USAA credit score requirement is 700 or higher for the best USAA credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from USAA with limited credit history or a bad credit score, for example.
Credit Score Recommended by USAA Card
- USAA Preferred Cash Rewards Credit Card: 700 (Good credit)
- USAA® Rewards™ Visa Signature® Card: 700 (Good credit)
- USAA® Cashback Rewards Plus American Express® Card: 700 (Good credit)
- USAA Rate Advantage Credit Card: 700...
How do you get approved for a high-limit credit card?
To get approved for a high-limit credit card, you will need good to excellent credit, a high income, and relatively little debt. Your credit limit will be determined based on the card you choose, along with factors such as your income, assets, and existing debt obligations.
How to Get Approved for a High-Limit Credit Card
1. Improve your credit score.
High-limit credit cards typically require good or excellent credit. Before you apply for such...
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No, USAA does not do a credit limit increase every 12 months. When I married my husband (2 years ago) his credit limit was $8k. We’ve kept the total below 30% and have made regular payments (before that, there was one 30-day blemish which is within the 7 years so still on credit report). I only now requested a credit limit increase, and since we’ve been together (5 years), his pay has increased 30%. He has a 740 credit score and was denied a credit limit increase. USAA is not a fair creditor and definitely does not perform annual credit limit increases for responsible users. I experienced the same issue when I was a service member (joined 2007). They are one of the tougher creditors which is difficult for service members as many are young airmen looking to start establishing credit at a young age. They are not service-member friendly and couldn’t give any cares for service members looking to gain better credit.
Forgot to mention I too was trying to get a credit increase and got the same response of declined and like you I've been with USAA for double digit years.... Pure displeased and disgusted.... There's no need to throw out the race card because it's biasness is gear more towards white privilege and uses an algorithm to determine if you're eligible or not just think about it... And I was able to get credit increase from AMEX and Visa but not USAA GTFOH lol SMH ??♂️
@bmaninbama: thank you for your clarity and I concur 1000% As a matter of fact I'll be removing from lame USAA..it has went down hill and beyond garbage