By Rhrevpm Nvkkiddmj on 15/06/2024

How To Penfed cli myfico: 7 Strategies That Work

01-31-2021 11:26 AM Penfed CLI I just got by far the largest CLI I have ever recieved. I had an offer for an additional card which I don't really need, so I requested that the pre-approved $35,000 amount got added to my existing Piower Cash rewards card which had a $15,000 limit. I can't believe it......new limit $50,000 Message 1 of 41 35 KudosPenFed Gold CLI. Requested an increase on my PenFed Gold card which has seen 0 use whatsoever. Approved for 12.5k (2.5k increase). Not bad for a card that gets no use and with all the other changes I have been making on my reports over the last month or so. FICO 5 ,4, 2 - 5/2023 FICO 8 - 6/2023 FICO 9 - 5/2023 FICO 10 - 5/2023. I applied and was approved for the Platinum Rewards Signature Visa at the end of September with a $5000 SL. Reconned a few days later and was approved for a $10,000 increase taking my credit line to $15,0000. My Chase Ritz card finally reported with it's $20,000 limit so I requested a CLI on Friday,...wrote: I know Penfed will only do a "hard hit" when requesting a CLI..... do they ever just grant one based on usage & credit - 6715014Jun 28, 2020 · Re: Penfed - when to ask for 1st CLI? Normally I suggest waiting 6 months, but with covid, banks/cu's have seen large abilities to not pay. So you may be better of waiting closer to 9-12 months unless they preapprove you from a SP review. Lots of other posts on this topic on myFICO. If available to you, you'll see $15k for an auto loan, $10k for a motorcycle loan, etc. If you see a credit line offer for the card you already have, you can accept it, choose it as a CLI instead of a new card, and it will not be a hard pull. I just did this last week, got a $5,300 bump.I received and call from PenFed today about the survey I answered after opening a Power Cash Rewards with them on Jan 25th 2018 and being given a starter limit of 10K$. I had been a member with them since 2008 and used them for savings only. So, the nice rep said she would call me back and when ...Been a PenFed member for 8 months, and opened a PCR and Plat Rewards at the time of opening the membership. The 8th statement cut last month, and just received an offer a couple days ago. Had to dive a little deeper into the nuances of PenFed CLI's, and received some great feedback as discussed here.For those who have received a CLI on their PenFed credit card, after your CLI request was approved, did you need to send back a signed - 744986Both of my NFCU and Penfed cards will hit 90 days next week. When should I try for my first CLI? I have GoRewards @3300 & Penfed Siggy - 5238866 - 2Just for grins I also asked for a CLI on my Gold sock drawer card and got another quick denial. PenFed pulls Equifax and looks at FICO 9 (Classic). My Eq9 was 772 on Aug 1, when I pulled my reports. If they send me something saying what it was the moment they pulled it, I'll edit this post to include it. New accounts 8/24, 3/12, 1/6So, here is my question i have a PenFed card which i just applied for, got the "further review" message and was then approved automatically 5 mins later. Today I started thinking whether i may be able to have the line increased since they use the same HP for 30 days. I called the number on the ...Logged in to check my Penfed statement and my limit was increased from 10k to 21k! Too darn exciting to not share. I used a BT check in - 6573786 - 2 ... Congrats on the auto CLI with PenFed > Message 16 of 16 3 Kudos Reply ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks ...Re: PenFed Power Cash Rewards CLI 3500 ---> 7500. What I was waiting for: Below $5000 CL is not Signature, so my original card was a plain Visa. I had read from some folks that after receiving a CLI above that threshold, request a replacement card and it should be branded Signature. Sure enough, this is correct. Congratulations!PCR was approved in 12/2018. It was originally denied but got approved through email recon for 10K with APR 17.99. I believe my Fico 9 score was 658 at that time. I decided to request for CLI on 10/07/2020 and it was conditionally approved with no other information provided. I decided to call tod...Pentagon Federal Credit Union — known to most simply as PenFed — is a popular credit union in Virginia that offers the common services that most banks and credit unions offer their customers.Received a BT promotion of 0% APR for 12 mos or 0.99% APR for 18 mos (w/ 3% transfer fee) in the mail. I've currently been actively looking for a good BT card to pay off my AOD, so I'm extra happy I don't have to add a new account to my credit age b/c NFCU did me dirty with only a $3K approval on th...Re: Penfed CLI 💳🥂🍾. It's been 6 months since I opened the account with an initial limit of $2500, so I went ahead and hit the luv button and got a $7500 increase. The maximum amount I've spent with this card is less than …Jun 15, 2022 · Re: Penfed conditionally approved. I did mobile deposit! 7 day hold so on 6/22. stats are, AAoA 4 years, EQ Fico8: 841, Income 590k, utilization on cards 1%, total available credit 1.1M (including AU for 140k). Honestly I had forgotten about Penfed, and was bored at work so I decided to join again and apply. I opend the PenFed Platinum Rewards with a 5k line in October. My current score with them is 736 (11/28 is the pull date) I attempted a CLI on 1/25 and was denied with the statement that they wanted to see more history with them. This morning I was bored and was browsing the product section and when...I decided to apply for CLI on my Cash Rewards. It was $1k limit from August 2014 and my Promise card was approved a few days ago for - 3889050 - 3 ... myFICO® Forums; Types of Credit; Credit Card Approvals; Penfed Cash Rewards CLI!Just got the Platinum Rewards VISA Signature with $10K SL from PenFed. When is the best time to request for a CLI? Thanks. I know it's here - 5037727I called PENFED to see if they would consider a CLI at 80 days. I have a balance because of BT's but I make large payments to pay it down. But my Util is around 20% I was declined for a cli. The only thing they could offer me was another credit card (Promise or Amex) but I had to take some of m...My oldest Penfed Power Cash was opened with a $500 CL. ...now $7,500! :) EQ Fico 9 is 735. - 5772517. Skip Navigation. How It Works; Pricing; Education; ... myFICO® Forums; ... PenFed CLI; Options ...I decided to apply for CLI on my Cash Rewards. It was $1k limit from August 2014 and my Promise card was approved a few days ago for - 3889050 - 3 ... myFICO® Forums; Types of Credit; Credit Card Approvals; Penfed Cash Rewards CLI!Hello gents and gals. I was checking my PCR as usual and saw that the "request credit line increase" link had finally appeared. I said f it and went for it. Got approved for a $4500 increase. CL is now at $6500. EQ Fico 8 as of 4/2 was 672 but Penfed EQ Fico 9 has me at 710 from 2/28. No HP notifi...PenFed Gold CLI. Just applied for a CLI because I never get preapprovals from PenFed anyway on the quarterly offers. Nice bump. $7,500 to $12,500. Now the question, I have the highest interest rate. Think if I call them, they can use that inquiry to lower my interest rate?Sorry to hear about the denial OP. That's actually the first instance that I've seen. Let's see if others have had similar outcomes recently. I think it's possible that some can still be done if a [CLI] pre-approved offer is available on an existing or eligible PenFed product, but I suppose we'll see if that's no longer the case.Penfed PCR cli. I had the card 1 year as of yesterday 12/21/22. this is my first cli request from them. 7500 sl. cli 2500, new limit 10000. My ficos 680 - 690 range. utility about 11 pct. income 39k. I had a bt offer i used on the card for 2500 i took last spring which ends in feb, its paid down to 215. Kudos to M smart, in one of his posts a ...Penfed CLI App Timed Out - 6468873. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Float this Topic for Current UserPenfed Gold CLI Approved! I was hesitant between applying for a new credit card and going for the CLI. I decided to request the CLI and save my AAoA. I was approved for the Penfed gold visa in March 2022 with a SL of $3500. 9 months later I took the HP on equifax and requested an increase to 10k. It was instantly approved, I thought they would ...Reopened my checking account with penfed last month and got a $500 overdraft line of credit. ... Penfed Thrifty CLI hard pull? ... hp if it's within 90 days for any products so i requested a CLI on it. Got declined and also got a hp =/ Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU ...After feeling good about the FNBO, I called PenFed and asked about a CLI. They had me verbally verify my address, employer, and income. She hit the love button and BAM! Congrats on your new CLI of $7,500! This doubled my original SL of $7,500 to 15K. ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are …PCR was approved in 12/2018. It was originally denied but got approved through email recon for 10K with APR 17.99. I believe my Fico 9 - 6160184 - 2Penfed CLI Declined. Today I decided to try for a CLI on my Penfed PowerCash Card. First I did the prequlify just to give me a gauge. It came back preapproved for a new card at 20K so I took the pull and went thru with it and it came back declined. I contacted them and they told me it was for number of accounts and utilization of accounts.Aug 20, 2017 · Reopened my checking account with penfed last month and got a $500 overdraft line of credit. I thought it was gonna be the same hp if it's within 90 days for any products so i requested a CLI on it. Got declined and also got a hp =/ I did use it few months ago. Where is Penfed love button? - 6227481 - 5. Skip Navigation. How It Works; Pricing; Education; Community; Support; Member Dashboard; ... myFICO® Forums. ... myFICO® Forums; Types of Credit; Credit Card Applications; PenFed CLI/Love button; Options. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read ...Re: Penfed CLI If you didn't have any pre-approved offers during the quarter for a credit line increase, then they likely did a hard pull on your credit. And yes, that credit report stays on file for any apps for the next 60-90 days.Getting the limit. PenFed used to allow one card to go to $50K. Earlier this year, the policy changed to $25K per card. The problem earlier in the spring/summer was that we had several My Fico members including myself who were offered the higher limits but then the new credit didn't show up on our accounts.so I've been lurking for some time here and I remember reading that Penfed uses the same HP for applications for 90 days. So I called the Penfed rep and asked to apply for a gold card. Rep used the same hard pull and told me it's conditionally approved as well pending the review of the documents for the first card I applied for.Hit Penfed up for a cli this morning went from $7500> $17,500. My highest limit card now, previous was $14,000 immediate hard pull. - 6515068 - 3We have the PenFed Platinum Rewards VISA Signature with $10K SL from PenFed for about 8 months ( 8 statements ). When should we ask for a CLI or should we wait a bit longer to hit the 1 year mark where they have to give us something in the credit line?We have the PenFed Platinum Rewards VISA Signature with $10K SL from PenFed for about 8 months ( 8 statements ). When should we ask for a CLI or should we wait a bit longer to hit the 1 year mark where they have to give us something in the credit line?First, I can definitely confirm that the cli I received on my PenFed Gold card was indeed a SP. I receive a letter via snail mail from PenFed indicating that they had took it upon themselves to increase my limit. Now...Monday I asked for a cli on my PCR card. Last increase was in Feb 2022 for only $1k and involved a HP.So, here is my question i have a PenFed card which i just applied for, got the "further review" message and was then approved automatically 5 mins later. Today I started thinking whether i may be able to have the line increased since they use the same HP for 30 days. I called the number on the ...Access to Credit Does a FICO® Score alone determine whether I get credit? How is a credit history established? How can I better understand my financial health? How long will …First SDFCU and Now Penfed Great CLI. Requested a general CLI via the link. Nothing saying pre approved and it gave me a Watch out for an email requesting more info alert at first. BUt then about 1 hour later it said Approved via email and the application was updated. 5k to 12.5k so a 7.5k CLI!!!!!First PenFed approval was 12 months ago. Missed a CLI months back after a 2nd PenFed Card Approval where a double dip chance didnt bare out that time. This time i requested strictly on this very first card again. Instantly Approved and matches the 3rd approved card a few months ago which is the Platinum. Documents came thru today to …I was approved for the Penfed Promise on 6/20/15 with a $3,000 SL. I know everything that you apply for during the 2-3 month approval results in SPs from the orignal HP. There is a CLI request button next to the Promise card I have on the "products & rates" tab. I was wondering when I should take ad...Sep 20, 2023 · Re: Penfed CLI Declined. I always had a positive experience with Penfed. They were my first credit card after bk with high credit limit. My SL with them was $17,500 and I used the card a lot. After 6 months credit limit was increased to $25K with hard pull. I applied for second card and instantly approved for $12,500. I was checking my balance on my Penfed Power Cash and saw the CLI button. I saw it would be a hard pull but I gave it a shot. It came back approved for $20,000. My CL went from $3500 to $20000. Happy Merry Christmas to me. Thanks to. everyone here who helped me along on my credit finding journey. Penfed Credit Line Increase. Message 1 of 21.I started off with Penfed PCR with a low $1500 limit , not surprisingly do to my scored at the time. Well with today being my 6 month anniversary are scores going up and up in the right direction this time. I decided to come out of the Garden and REQ a CLI. To my surprise, the screen timed out on me ( Reload Button ) still timed out.First, I can definitely confirm that the cli I received on my PenFed Gold card was indeed a SP. I receive a letter via snail mail from PenFed indicating that they had took it upon themselves to increase my limit. Now...Monday I asked for a cli on my PCR card. Last increase was in Feb 2022 for only $1k and involved a HP.Just got the approval for another $5,000 on Plat Signature Rewards Visa! New limit is $25,000 (now my highest). Card is just barely 3 months old. Opened 9/23/16. This is the 3rd increase I've received. Original SL was $5,000. Got a $10,000 increase first week of October, $5,000 increase mid November...Re: New Chase Amazon Visa Approval + PenFed CLI. @Inspiredman I have a Freedom Unlimited with them as well as a checking and savings. EX is 761, TU 766, AAoA on the low side at less than four years. 09-29-2022 12:47 PM.Re: Penfed Cc instant CLI Approval. @gingerflower wrote: DH got an Instant CLI approval on his Penfed Cash Reward Cc . Original CL $9,000 to 15,000 a $6,000 CLI...👍. That"s great. Was the CLI a soft pull or hard pull. Thank you in advance.Throughout, my scores were north of 800, and my income was, well, less than 'too much', but beyond 'adequate'. 2023 Goal: save 3 months' net income. Starting FICO8: 666 (give or take a FICO) [ Last INQ 22-Oct-2022 ] EQ. 811. I haven't been able to find the love bCongrats on the great PENFED CLI! Message 8 of 15 1 Kudo Anonymous. No Okay -- so PenFed has been a thorn in my side since day 1. I was approved for the PCR with an SL of $3K in Oct. - 5863099 - 2. Skip Navigation. How It Works; Pricing; Education; Community; Support; Member Dashboard; Log In Log Out; ... myFICO® Forums ... I didn't realize I should request a HP before the initia I, too, would go for the second card first...then the CLI. YMMV, but typically the starting line on a second card will be greater than the - 6710059 I called PENFED to see if they would consid...