Credit Cards

[MyFicoAddict]

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

[FocusOnFICO]

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.

[wmarat]

If u request CLI - hard pull

If u get preapproval - no hard pull.

[UFGuy2006]

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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

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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.

[DI]

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

[score_building]

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DI wrote:

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

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Apparently some members never receive them, for whatever reason.