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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
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.
If u request CLI - hard pull
If u get preapproval - no hard pull.
@Anonymous 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.
It's been 15 months since opening my account , and I'm still waiting on the preapproval to pop-up.
@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.