Credit card limits FAQ

If you have an eligible USAA credit card and want to increase or decrease your credit limit:

On usaa.com:

1. Log on and choose your credit card account.
2. Select “Change Credit Limit.”
3. Follow the prompts to request a credit limit increase or decrease.

On the USAA Mobile App:

1. Log on and choose your credit card account.
2. Select “My Account & Card.”
3. Under Manage My Card, select “View more card management.”
4. Select “Manage credit card limits.”
5. Follow the prompts to request a credit limit increase or decrease.

If you want to change your limit on more than one credit card, you can follow these steps for each one. But if there is a pending credit limit increase on one card, you won't be able to request a credit limit increase on any other card until the first request is complete. Please note, credit limit increases and decreases are not available for Secured Credit Cards. Credit limit increases are not available for Classic Credit Cards.

Generally, some of the factors we consider are account performance, credit bureau information, income before taxes and current debt or obligations.

Yes. Your credit report will be used to determine if you qualify for a credit limit increase on your USAA credit card. Each increase request results in a hard inquiry. That means a credit report is pulled on the cardholder and joint cardholder.

If you or a secondary accountholder have a credit freeze or credit lock, it needs to be removed so we can run a credit check. To do this, you can make a request online through the Experian, Equifax and TransUnion websites. Or you can also call or mail in your request to each credit bureau.

When you request a credit limit decrease, you can specify what limit you’d like, down to the minimum available for that specific card type but not less than the current outstanding balance. For a credit limit increase, you cannot request a specific amount. Please note, credit limit increases and decreases are not available for Secured Credit Cards. Credit limit increases are not available for Classic Credit Cards.

In most cases, you’ll have a decision at the end of the application process. If approved, you'll see your new credit limit displayed when you access your credit card account summary online or in our mobile app. If we’re unable to approve your request, you'll receive a letter explaining the decision.

For eligible USAA credit cards, you can request a credit limit increase once the account has been open for 180 days, or 180 days after the last credit limit increase. You can request a decrease to your credit limit at any time. Please note, credit limit increases and decreases are not available for Secured Credit Cards. Credit limit increases are not available for Classic Credit Cards.

Providing the most up-to-date income information can help us consider you for a future credit limit increase. Updating your income is optional but it’s required before you can be considered for a higher credit limit.

Possibly. However, an automatic credit card credit limit increase is not guaranteed. We periodically review eligible credit card accounts and may increase the credit limit based on income and other qualifying criteria.

At the time we consider you for an automatic credit limit increase, the credit inquiry is considered a soft inquiry and will not affect your credit score.