HOLY COW, USAA just made my weekend (out of the Blue)

[Art_Vandelay]

Back in 2010 I applied for USAA AMEX Cash rewards card and sadly wasn't approved for that but they did offer me a USAA Classic Credit the with a limit of $1500. Fast forward 1 year and I call in for a Credit Limit increase and was told that THIS particular card was not available to receive a CLI and would NEVER be given a CLI.

 

I then applied for the AMEX Cash Rewards card again and thankfully I was approved this time. I just sock drawered the Visa only using it every 6 months for gas.

 

Last week they sent my replacement cards for the VISA and I seriously was considering canceling it. Haven't even activated the cards yet when I got a letter from USAA yesterday.

 

In NUT SHELL they said, CONGRATS, based on your excellent payment history USAA is pleased to upgrade your card ending in XXXX to the following features:

• No annual fee (didn't have one to begin with)
• USAA Cash Rewards program (That was new)
• Low variable Annual Percentage Rate of 12.900% (I like it, I like it a lot)
• Ability to make Cash Advances and Balance Transfers with your account (That's new)
• You have a USAA checking account, you can use your card for overdraft protection (new)
• We've increased your credit limit from $1,500.00 to $14,000 (Holy Cow, I'm speehless)

 

Your account number is the same, This upgrade doesn't require that you activate a new card, so go ahead, take advantage of these great features and your new credit limit today!

 

So, that was all out of the blue and totally unexpected. I NEVER thought they would upgrade this card because as you know when you get a secured credit card wtih them it will NEVER be upgraded. Wife has had one for 4 years and her scores are higher than mine and I just made the 800 club last week and they've NEVER upgraded her card.

 

Of course we KNEW this when she got the secured card. I just figured they would not upgrade this one. for those of you out there that apply for a product and they offer yo a lessor one, "TAKE IT".

[indignant.kitten]

Congrats

 

 

"Your living is determined not so much by what life brings to you as by the attitude you bring to life; not so much by what happens to you as by the way your mind looks at what happens" - K.G.

[lemonlimez]

Woo Hoo! That IS awesome.

[Allisson0605]

Fantastic!!

[clutchcargo]

Sweet!

 

Now go fix things so that APR reduction doesn't mean anything.

[ericgunit]

That's awesome!

[stroked89coupe]

Awesome!

[BDK]

Cool!!

[ugghh]

Very nice!

[classicsal]

Wow, , Great news, enjoy!

[pistolp44]

Awesome! Congrats!

[cv91915]

Almost tenfold. N-O-T B-A-D.

[Art_Vandelay]

Thank you, thank you very, very much

 

What I love about it is that it was totally out of the blue. I do my very best to not carry any balances (never even had one on this card before) but it is nice that the APR is no longer 19.90 % APR.

 

The 2 cards that I am carrying a balance on are all at 0% from BT's so I'm not sweating that at all.

 

I just wish USAA would had out the love to everyone. Not a fan of Full members over partial members at all.

 

Anyway, thanks guys:)