That's a great question, EMC1440. Any time a credit limit increase is requested, your credit report will be used to determine if you qualify for a credit limit increase on your USAA credit card account. This will result in an inquiry to your credit report for you and each account holder listed on the account. Regrettably, there is no option to increase credit or obtain credit without running a credit report. If you would like to proceed in submitting a credit limit increase, please contact us at 1-800-531-8722. - Ben
Thanks for the response. When speaking with the credit card department they advised
" the only way a credit limit could be increased is when you request the increase and hard pull is completed."
I do appreciate the follow up on this and clarifcation. Maybe pass a note to the credit card people to make sure they are on the same page. good to know.
Hello and thank you for your inquiry in regards to criteria for a credit limit increase. We will review your overall credit profile, current payment history, as well as your current relationship with us in evaluating a credit limit increase. This request can be completed via usaa.com, mobile app, or with a credit card servicing representative. For self service:
From the Account Summary Page:
From the Accounts tile:
If you need assistance with by a representative please contact us at 210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722. Our business hours are Monday through Friday 5:00am-12:00 am CT and Saturday 6:00am - 10:00pm CT, or Sunday 8 a.m. - 6 p.m. CT. Thank you and please let me know if I can further assist you!