Penfed cli myfico

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: …

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...PenFed Power Cash Card CLI! This is my one and only Penfed card and it just turned 6 months old a couple of days ago so I thought I would see how strong our relationship is and they showed me some love! Congratulations! Your application was approved. Your new credit limit is $17,500.00. Your previous credit limit was $7,500.00.Also, I did a CLI request on my Penfed Power Cash Rewards. Nada! So, I used the HP to apply for the Gold card since I've read some have been turned down for CLI but approved for a new card. Not instant, but I did get a message to send them last two paycheck stubs, and the message says premilinary approval or something like that. So, we'll see.Re: PenFed CLI. Unfortunately, they no longer merge or combine accounts. Getting to $25K might take some time all things considered and profile-dependent. Since your first card appears to have started a bit on the low end, I would give things time. Potentially, you can ask for a CLI since your card is ~6 months (personally I'd wait longer), but ...Sep 17, 2021 · Is a CLI through PenFed a HP if they put in "My Offers" section? First time seeing this so I wanted to hear from those that have been with them longer. FICO 5 ,4, 2 - 5/2023 FICO 8 - 6/2023 FICO 9 - 5/2023 FICO 10 - 5/2023. Credit & loan qualification. Message 1 of 3.

750+) Most PenFed credit cards require an excellent credit score (750+) for approval. A few are also designed for people with good credit (700-749). My credit score is 651. I have two accounts in collections. My total available credit is over $40,000 and my utilization is less than 1%. Income $180,000.It's been seven months since I joined PenFed. I had joined very fresh during the rebuild process. I took the plunge just now and requested a CLI on my PowerCash Visa, and they bumped me from $1,500 to $7,500, with instant approval and the option to do balance transfers. That's with a utilization o...Re: PenFed Love button. It's normally been on the credit card application screen. (A CLI button on cards you already have instead of an Apply button.) But navigating to "Products and Rates" and clicking "Choose Your Product" now only has a Learn More popup that brings up the credit card list and doesn't recognize that you are logged in.1 Except for holidays, rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subject to change. The information provided is based on discount point, which equals percent of the loan amount, and assumes the purpose of the loan is to purchase a property with a 30-year, conforming, fixed-rate loan. …Penfed CLI question by FishingGuy on ‎10-13-2023 11:48 AM Latest post on ‎10-19-2023 12:33 PM by FishingGuy. 6 Replies 447 Views ... †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this ...

Hi All, How soon after card issuance can you ask for a CLI from PenFed? WBKAJE - 134549Oct 21, 2021 · Re: Penfed CLI Approved Congrats on your CLI! Amazon Store card:5k AOD:2k Apple Card:250 Ashley Furniture:3.5k BBVA:1500 Caesars Rewards:2k Capital One Quicksilver:2k Credit One Amex:500 DCU:7.5k Discover:2.5k Home Depot:1k Kohls:1.5k Lowes:10k Merrick Bank:1k Mission Lane:850 Paypal:1k Penfed Power Cash Rewards:2.5k Sam's Club:3k U.S. Bank ... I was originally declined by PenFed for a CLI and submitted a letter of reconsideration. I was approved for a $2,000 CLI bringing it to a total CL of $5,000! Plus, I got an APR decrease without asking. The APR was decreased 6.50%, from 13.99% to 7.49%! Last Wednesday, Nov. 27th I was approved for ...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 finalize it.

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Options. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as ReadToday 7/1 is my 6 month anniversary with Penfed :) I have been good for the past 6 months staying in the Garden. Alot I mean ALOT !! of - 6360649 - 2Congrats on the great PENFED CLI! Message 8 of 15 1 Kudo Anonymous. Not applicable Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Report Inappropriate Content ‎07-16-2020 10:17 AM ‎07-16-2020 10:17 AM. ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are …Re: PenFed Gold Card CLI, Help! OP, $90k is a pretty good amount to earn, and absent any info on your living expenses but reading that you can "triple" your payments, I would suggest you look at how secure your 90k job is, and also that more and more people are expecting a recession, and the Fed is thinking about a huge interest rate increase.

@AverageJoesCredit You are the 2nd person to mention the one year mark for requesting a cli, M-Smart is the other person that reccomended 1 year. thanks.. Penfed was quite generous with me giving me a sl of 7.5k and automatically enrolling me in the honors so i get 2 pct cb. Now i know to wait a year to request a cli although im not even …May 30, 2022 · Congratulations on your PenFed CLI! I asked for a CLI yesterday and PenFed increased my Power Cash from $7,500 to $20,000. I've had this card for 2 years, …Jul 17, 2023 · Capital One: Platinum MC - CL: $600 (they won't give me a CLI); Credit One: 2 cards with $1,500 & $2,200 CL Prosper: $1,400 Goal Cards: Chase Sapphire, WF Autograph and PenFed Platinum Rewards Car Loans: 1 loan. Car: 2023 Audi A4 SLine Paid off: VW Financial Services: 2020 Jetta Exeter Finance: 2015 Jetta Dec 29, 2022 · Re: Penfed Power Cash Huge CLI. @wildboys wrote: 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. 1 2 Next 10 REPLIES AverageJoesCredit Legendary Contributor 04-27-2020 05:26 PM Re: Penfed CLI ?? For the people who are on their DO lend list, their cli can be quite good. For those they dont deem worthy, trying to get cli is like pulling teeth. In my experience, $3500 isnt really low sl but then again its subjective.What rates do you offer? Can I pay off my personal loan early? Do I need to use collateral for a personal loan? What are the ways I can receive my loan funds? When will I receive my funds? Do you charge an origination fee? Do I need to become a member to apply for a loan? Will checking my rate affect my credit score? How will you verify my income?I apped for the Plt late last month and was denied due to being an Egyptian. Musiclover said I can request a cli on my existing card with the same HP. I did and they doubled my CL, bringing it to 15K. I really thought they would deny it. My Ex is 750 TU 758 and EQ 760. Inq around 30 across the board...Ok im in one of those moments we all come across sometimes in this zany credit world. Perhaps someone will talk me off the proverbial ledge, though it may be too late (youll know why by the end of baby rant ,lol) So since im in process of having my Equifax issues fixed once and forall, i figure whi...

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 $100 since I've had it. Penfed can grow fast.

who i burned - chase, cap 1, TD bank, Sync, were the biggies. Income 39k. Total utilization around 20 pct depending on my current usage/needs. Ficos in the 680 - 690 range, the 9's slightly higher than the 8's. My vantage scores 708 - 711. TCL - about 107k. Retired since 2017. Retail cards. Message 1 of 3.When I put a request in for CLI, and it comes back approved, is the amount shown added to the current line, or is this my new line total. My avialable credit still says $6500, the original approval amount from last week. I know someone on here just got a CLI last week.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...Jan 31, 2021 · 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 - 6244422 - 2 Oct 23, 2020 · Re: PenFed CLI This could be one of those "We're transitioning from one process to the other" or it could be "The account isn't eligible at this time" To be honest, I haven't been with them long enough to know but suffice to say my accounts are 2 months and 3 months old and I have the option on both. I waited 1 year on my PCR and got a cli for 2500, 7500 - 10k, ymmv. As far as the 2nd card SJ might be right, I applied for my 2nd Penfed cc the Gold 8 months after I was approved for the PCR and was approved for a 7500 sl, so I was approved for the 2nd card 4 months before the cli on the first cc, ymmv. { BK7 DC 12/2019 } target 1300/ kohls ...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.Hello All, I have tried asking this question a couple times but no answer, so I thought let me try again through a new post. My PENFED - 736378Apr 4, 2022 · closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come. Rebuilding since September 2020. who i burned - …

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A CLI, or command-line interface, is a way to interact with a computer by typing text commands into a terminal window. A GUI, or graphical user interface, allows a user to interact with a computer by using a keyboard or mouse to manipulate ...Well when i was approved for this card it was only 8k 3 days ago i check and my card has 12k ,but wait hey,hey hey wait so today i log in and is 15k that is a 7k CLI in less than a moth . i love PENFED. One question does navy fcu approve secon cousin as family member ?For about the last two years, PenFed has been capping credit limits on newer cards at $25K each and an aggregate of $50K total. (Prior to that, a member could have TCL of $50K, either on one or multiple cards.) I had discussions yesterday with both a Customer Service Representative and a Supervisor and they confirmed the $25K/$50K limitation is ...Oct 6, 2023 · Find out how in this article. Log in to PenFed Online. Find your credit card and click More. From the dropdown, select Request Credit Card Line Increase. Complete the application. You may not see the option in certain situations, such as if you recently opened the credit card account or are already at the card's maximum credit limit. Submitting ... PenFed Power Cash Card CLI! This is my one and only Penfed card and it just turned 6 months old a couple of days ago so I thought I would see how strong our relationship is and they showed me some love! Congratulations! Your application was approved. Your new credit limit is $17,500.00. Your previous credit limit was $7,500.00.Applying for a credit card can be exciting, frustrating, stressful or enjoyable. This is your board to chat about the application process, denials and more.Penfed 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.Jan 12, 2021 · Re: PenFed Love button. On the main screen - under your credit card info-- under the make payment button, click on the more account info link and then on the right you'll see the request credit limit increase link. Personal Aphorism:"Forget What You Feel, Remember What You Deserve". Starting FICO 8s | 09/2017: EX 641 EQ 634 TU 647. 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.Just approved for the card on March 25. Asked for a CLI and for approved for $1,000. It was SP so I am good with that. I will try again - 3900607 ….

Penfed 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 ...Jul 15, 2020 · Re: PenFed PCR CLI - under review? @ccquest wrote: I applied on a Friday morning before 8am and received my official congratulations/approval email that Saturday at 4:44pm so I'd agree with the 24-48 hours time frame. M-Smart mentioned in a post that a cli request with penfed is most effective 9 months to a year in. I have 2 PenFed credit cards, one has the button, one doesn't. I don't think it's meaningful, as I doubt that I could get a CLI on either. Total revolving limits 738200 (622200 reporting) FICO 8: EQ 725 TU 723 EX 700. Message 6 of 9.Jan 31, 2021 · Re: Penfed CLI. I had opened Penfed checking , savings and credit card account (Cash Rewards) back in May 20 with a starting CL of $15,000. I do not use the checking account, just have some money sitting there to get the 2% rewards. I have about $7,500 in the savings account. I haven't been able to find the love button. I did use it few months ago. Where is Penfed love button? - 6227481 - 4For all Penfed card holders, how do they work CLI requests? How long should someone wait on a new account before requesting a CLI? Is - 1530120 - 2. Skip Navigation. How It Works; Pricing; ... myFICO® Forums > Types of Credit > Credit Cards > Penfed CLI Process; Options. Subscribe to RSS Feed; Mark Topic as New;I just can't get them to grow. It's stuck at the starting limit; $2,000. I've tried twice. The account is about 18 months old. My scores are 750+ across the board. Utilization is 1%. I owe less than $1,500 on one account with a $35,000 limit. Plus one small loan of about $3,000 that is 4 months old....Requested cli for PenFed platinum went to review then finally approved .Today I got email saying that my PenFed Platinum Rewards Visa Signature application has been finalize and my new loan document was mailed !!!!my credit limit hasn't changed .Will I get a second platinum card ? Any ideas ? Thanks...It took some patience and willpower to keep gardening, but after 12.5 months PenFed gave me a CLI from $1000 SL to $10000. I'm so appreciative of this community! Here are the DPs: Opened a savings account and applied for Power Cash Rewards same day 2/2020, approved for $1000. (Later in the year ...I got my PCR Visa with PenFed this past November 2020. Put a decent amount of spend on it every month (+/-$1k) and I PIF every month. My SL/Current Limit is $12k, so I thought I'd try for a CLI. Current UTI is 5% across all cards, my EQ 9 score is 786. I applied for a CLI yesterday and got only $3k.... Penfed cli myfico, Does PenFed do recon's on CLI Request ? I Applied for membership and the Cash rewards card back in September. Instant approval 10K SL. Been using the card a lot , putting a lot of spend on the card. Figured would go for a CLI so my UTI stays some what low. since putting like 3-4K a month on the card..., 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?, Oct 16, 2022 · I think Gold is either $10K or 15K max. ( I don't hold that card, and I can't totally remember) . $50K Max combined limits across 2 or 3 cards. I got their gold card offer in mail and I guess I am going to pass on that offer. However, I would want my PCR card to be at $37.5K if not then my Pathfinder card at $25K. , So I've been itchin for a CLI. Probz asked too soon but an approval is an approval. Bumped me up from $5k to $8k. Not too shabby in my - 4958942 ... myFICO® Forums; Types of Credit; Credit Card Approvals; PenFed CLI after 2months 4 days! ..., 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., I haven't been able to find the love button. I did use it few months ago. Where is Penfed love button? - 6227481 - 4, 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 …, @AverageJoesCredit You are the 2nd person to mention the one year mark for requesting a cli, M-Smart is the other person that reccomended 1 year. thanks.. Penfed was quite generous with me giving me a sl of 7.5k and automatically enrolling me in the honors so i get 2 pct cb. Now i know to wait a year to request a cli although im not even sure i will get close to the 7.5k they gave me. i do ..., I was on the phone w them to discuss a payment and I asked about a CLI. I asked are they hard/soft inquiry and she said they are hard. I also asked do they ever do reviews for automatic increase because I've never gotten one. She said the limit will stay the same unless o request an increase. Tha..., While membership for me is one yr away when BK falls off, I'm reading all the posts I can find about tips and tactics with PF. They are helpful but scattered. Is there a PenFed guru who would be willing to start the Official PenFed CLI Guide, similar to Official NFCU CLI Guide? This community i..., Jul 23, 2017 · Re: PenFed CLI Hard or Soft Pull? HP unless you have a recent HP with them, reported grace period ranges from 30 to 90 days. Thanks so much for the info. 07-21-2017 05:38 PM. , Wow, I almost fell off my chair on this one LOL I got approved for the promise visa at the end of august for 2.5K. I decided to PC it to the cash rewards card shortly after and that was successful. Today after using the card every week and PIF I decided to request a CLI. Approved for 20K!! EQ is..., Recently was approved for the card. Limit is doable but as I'd like to have the card be my primary I wanted a cli asap. My daily drivers w each of the major issuers are north of $50k limit each. Penfed approved $10k Anyway, my total balance across all cards on my EQ was under $1k. Yet denied incr..., Applied for Penfed Sig Rewards 2 week ago and was approved with a $5K SL and denied a PLOC. Decided to apply for CLI as they will soft - 4270505, I've only received one (only requested one) CLI from Penfed and it was a HP. I haven't received any "offers" to get a SP cli. 🤷🏽‍♀️ I think I'm one of the "lucky" ones...my relationship with Penfed started in 2017 with just a regular savings account (only deposit $250 a month into it) and the PCR with a $5K starting limit., Penfed. Hello all, Penfed seems to like me. I have a savings account with $1800, car and a PCR with a $7500 limit and have been with them almost a year. So I guess they don't care much about the one small collection on my fico credit reports, so I'm thinking about applying for the Platinum or the Gold. My fico 9 is 686., 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!!!!!, I've only received one (only requested one) CLI from Penfed and it was a HP. I haven't received any "offers" to get a SP cli. 🤷🏽‍♀️ I think I'm one of the "lucky" ones...my relationship with Penfed started in 2017 with just a regular savings account (only deposit $250 a month into it) and the PCR with a $5K starting limit., Have had a couple of PenFed cards for a few years. Have never asked for a CLI. Does anyone know if it is a hard or soft pull? - 1653272, So I want to see about a CLI on my Power card, I have a balance, of $900 but should I PIF before the CLI request or after, my CL is $5K? I - 4927261, I have 2 cards with penfed, When my PCR turned 1 year old right after i paid off a bt i requested a cli and got 2500 instant, 7500 - 10000. A while before that M SMART had posted that the optimum time to ask for a cli on a penfed card is after 1 year. I plan to ask for a cli on my gold card 7500 cl in december, the card will be 19 months old ..., 10-18-2021 07:43 PM PenFed CLI I just tickled the luv button on the PenFed site and they doubled the limit on my Platinum card, from $5k up to $10k A little background:, Re: PenFed CLI (Thrifty Credit Service) @KennyRS wrote: So, since I'm still in the garden and really have no intentions of leaving for a while I decided to call up PenFed and ask if with the offers I've received, can I do the pre-approval for the thrifty credit service as just an increase on my current account., 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!, I am trying for the 90 day CLI. It has been about 65 days since I open my two Penfed cards. I only opted to request an increase on one of - 4571270, Been a while since I started this and use it regularly went conservative and put in a CLI as they recently pulled my credit for a checking - 4470237. Skip Navigation ... myFICO® Forums. ... myFICO® Forums > FICO Scoring and Other Credit Topics > General Credit Topics > PenFed PLOC CLI 15k; Options. Subscribe to RSS Feed; Mark Topic as New ..., 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..., Logged in to check for new statement for my PF Gold card and was stunned to find an auto CLI of $2,500 bringing the card to a $10K CL. Not sure what I did to prompt an auto increase. Been using it for the occasional balance transfer and paying 2 to 3 times minimum payment each month. Card turned 1..., If you already have a CL greater than $25K with an existing card ($15K for the Gold card) you keep that CL but you cannot get a CLI. If you have a card with a current CL less than $25K ($15K for the Gold card) you'll only be able to grow it to the $25K/$15K maxinum. The $50K combined CL across all Penfed cards is still in place., Hi, I just applied for a PenFed VISA card and got approved at a little under 15% interest rate for $11.5K. Would I be able to apply for - 5004529 ... (CLI on Defender) when I opened my Power Rewards card at the end of March. There have been some reports of 30 days as CO_NATIVE said. ... FICO, myFICO, Score Watch, The score lenders …, Oct 3, 2020 · 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. , When you click on the button to a CLI with PenFed, is their any info you need to summit like BOA basically what the form looks like. - 3352889, I was just recently (recon) approved like 3 days ago with $1000 CL, and still waiting for the card. I was told by the OP manager and some people here to ask CLI in 6 months. I lurked around and some people did ask for CLI which was granted 2 months or even days from approval. And also I've heard som...