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Frequent Contributor
nathan
Posts: 411
Registered: ‎04-18-2007
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PENFED LOVE BUTTON

Has any one tried the love button on cli, and if so was it a hard pull? I see it on my logging page staring at me all the time. I was'nt seeing this before. Does every body see it too?
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007

Re: PENFED LOVE BUTTON

I think it appears when they decide that they do indeed love you.

The last time this question came up (last winter, maybe?) I hit it, and they jumped me from $10K to $20.2K. This with an account only 9 or 10 months old, that started Feb 08 at $5K.

I think that I called up and had a CSR hold my hand as I hit the button, but then I'm famous for being a weenie. :smileyhappy:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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nathan
Posts: 411
Registered: ‎04-18-2007

Re: PENFED LOVE BUTTON

Hey haulingthescoreup, was it a hard?

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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: PENFED LOVE BUTTON

Nope. I suppose because they offered it. I clicked the button, and it said something like congrats, you're approved for a new CL, do you wish to accept?" (Sorry, I wish I could remember the exact terminology.)

If there isn't an offer there waiting, I would be a bit more cautious, though.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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txjohn
Posts: 4,214
Registered: ‎09-12-2008
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Re: PENFED LOVE BUTTON

:smileyvery-happy:  wow, that last bit of exchange is pretty funny.....if you read it carefully.  sorry :smileytongue:

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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: PENFED LOVE BUTTON


txjohn wrote:

:smileyvery-happy:  wow, that last bit of exchange is pretty funny.....if you read it carefully.  sorry :smileytongue:



True of so much in life, isn't it? :smileywink:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Guardian
Posts: 1,148
Registered: ‎04-23-2008
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Re: PENFED LOVE BUTTON

Goodness, you couldn't soften the blow? I was hoping I had just missed it :smileyvery-happy: You are not a weenie, just a meanie :smileytongue: (you KNOW I am kidding)

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nathan
Posts: 411
Registered: ‎04-18-2007
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Re: PENFED LOVE BUTTON

Oh yea, I guess what I see is not an invitation per se; it is just one of the options available under my cc page. I tried to click it but, but the process looks more like an online cli request which will result in a hard inq. haulinghtescoreup, I think yours was a cli just sitting there and waiting for you to push the trigger. i was surprised because i never had that option before on the old web page; maybe its just part of the new web page design or upgrade.
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Guardian
Posts: 1,148
Registered: ‎04-23-2008
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Re: PENFED LOVE BUTTON


nathan wrote:
Oh yea, I guess what I see is not an invitation per se; it is just one of the options available under my cc page. I tried to click it but, but the process looks more like an online cli request which will result in a hard inq. haulinghtescoreup, I think yours was a cli just sitting there and waiting for you to push the trigger. i was surprised because i never had that option before on the old web page; maybe its just part of the new web page design or upgrade.

I always thought the love buttons were treated as a soft, it would kind of suck if they hit hard. Hmm..makes you reconsider...at least for me.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


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nathan
Posts: 411
Registered: ‎04-18-2007
0

Re: PENFED LOVE BUTTON

I tried to push the button, but it required me to check a box accepting a pull, which I presume is a hard because it didn't specify. i immediately canx the application until I get enough evidence that it is a soft. i am not taking any chances on my eq which is already pregnant with a lot of inqs. I hope some forum member will provide that evidence for me.

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