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How to increase your USAA credit limit
Use your credit card actively and pay your balance before it's due.
With responsible credit card use, you can get an automatic credit limit increase. But if you don’t want to wait, you can can also request an increase online or by phone. Make sure you’re eligible before requesting the increase to avoid a hard pull on your credit for nothing.
How can I find my USAA credit limit?
Find your credit card limit on your monthly credit card statement, via your online credit card account or call customer service.
How do I know if I am eligible for a credit limit increase?
USAA doesn’t openly list any eligibility criteria on their website. However, all credit card providers weigh in the following:
- How long you’ve had your credit card account.
- Paying your credit card balance on time and in full.
- Active credit card use.
- An increase in your income.
- An increase in your credit score.
But even if you meet these requirements, getting a credit line increase isn’t guaranteed.
Note: You can’t request credit limit increase for USAA Classic and USAA secured cards.
How to increase my USAA credit limit
You can increase your USAA credit card limit in four ways.
Before you request your credit line increase, make sure you have all the required information, such as your annual income, employment and occupation, a reason for the request, your monthly credit card spend and mortgage/rent payment.
Submit your request online
It’s easy to request a credit limit increase with USAA. Here’s what to do:
- Log in to your online USAA account.
- Select the card you want.
- Scroll to the Account Services menu and select Change Credit Limit.
- Provide the required information.
- Review and submit.
Call the bank
You can also call USAA customer service and request a credit line increase. Here’s how:
- Call USAA using the number on the back of your credit card.
- Request your credit limit increase.
- Provide the required information.
When will I receive the credit limit increase?
Your credit line should change immediately upon approval.
Get an automatic credit limit increase
Like all other credit card providers, USAA can increase your credit limit without your request. This can happen if you:
- Use your card often. Making frequent purchases with your card could be an incentive for USAA to increase your purchasing power.
- Pay your full balance on time. USAA may find no reason to risk offering you a higher credit if you don’t.
Apply for another card
If you’re having a hard time getting a credit line increase, you could simply apply for another card. Aside from getting another line of credit, you could get additional perks such as a rewards program, a signup bonus or a 0% intro APR period.
Compare cards with higher credit limits
All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.
How is my USAA credit limit determined?
Credit card providers often use the following criteria to determine your credit line amount:
- Annual income.
Individuals with higher income tend to get a higher credit limit.
Having a steady job is another factor that’s weighed in.
Timely payments and no stains on your credit history could help you get a higher credit line.
- Utilization rate.
Keep your utilization rate at 30% or lower to show you can successfully manage your debt.
- The number of credit card inquires.
If you apply for too many credit cards at the same time, you could raise a red flag with your creditors. Because of that, you may get a lower credit line than you would otherwise.
- Apply for a high-end card.
Cards like Visa Signature or Mastercard World Elite often have high starting credit lines.
How often will USAA increase my credit limit?
USAA doesn’t specify how long one should wait before making a credit limit increase. But to be safe, we recommend waiting at least six months.
If you’re expecting automatic increases, customers have reported receiving one credit line increase per year.
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If you’d like a boost to your current credit limit, log in to your online account and request an increase. To improve your chances of success, make sure you always pay your balance on time and actively use your credit card.
But if you can’t get a credit line increase, applying for a new credit card can be a solid alternative.
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