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Frequent Contributor
MyFicoAddict
Posts: 284
Registered: ‎05-11-2009
0

PENFED CLI

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 card (VISA cashback) just became one year old (09/09/2010)and I was wondering if I could get a CLI. Does anyone know if this will be a soft pull or a hard pull?

 

I also have their AMEX, which will be one year in November. I have always PIF except a couple months left 50-100 bucks. VISA is at 2500 and AMEX is at 5k. Scores in the siggy. Any help would be greatly appreciated.

 

Thanks

Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)
Regular Contributor
FocusOnFICO
Posts: 180
Registered: ‎05-01-2009
0

Re: PENFED CLI

I requested a cli when my account reached one year--it was a hard pull

 

I had heard of the "pre-approvals", but according to a few PenFed csrs, those are now less abundant than before.


Starting Score: TU 766 EQ 788
Current Score: TU 788 EQ 811
Goal Score: TU 800 EQ 800


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Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: PENFED CLI

If u request CLI - hard pull

 

If u get preapproval - no hard pull.

IN VINO VERITAS.
Established Contributor
UFGuy2006
Posts: 727
Registered: ‎08-02-2008
0

Re: PENFED CLI

 


MyFicoAddict wrote:

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 card (VISA cashback) just became one year old (09/09/2010)and I was wondering if I could get a CLI. Does anyone know if this will be a soft pull or a hard pull?

 

I also have their AMEX, which will be one year in November. I have always PIF except a couple months left 50-100 bucks. VISA is at 2500 and AMEX is at 5k. Scores in the siggy. Any help would be greatly appreciated.

 

Thanks


Definitely hard pull.

 

 

If you are on the market for an additional credit product (card/loan), you can use that same hard pull for those.

FICO: EX: 756 (7/14); TU: 760 (8/14); EQ 732 (8/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 2 | Citi X 6 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 31 Cards

Holding off apps until the end of the year! Wish me luck!
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: PENFED CLI

It's  been 15 months since opening my account , and I'm  still waiting on the preapproval to pop-up. 

Senior Contributor
score_building
Posts: 3,525
Registered: ‎01-10-2008
0

Re: PENFED CLI

 


DI wrote:

It's  been 15 months since opening my account , and I'm  still waiting on the preapproval to pop-up. 


Apparently some members never receive them, for whatever reason.

 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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