Reply
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

PenFed Tested/cli/pending/2.5k increase/asked for 13.5 k incr./pending

[ Edited ]

I really don't get it with PenFed

After 6 months of the account opened i called and request cli.I did it online and the system auto increase me from 6.5k to 9k pending lo review

Its really annoying to get this  chipchange cli from PenFed/Calld and sked for the new limit to be 20k.I think i will get this

Any suggestion?

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

Wait....didn't you just apply for PenFed last week and recon the limit?
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

That was for the other card the new one.This is for the Old card that i opened last october

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

I called just now and expressed my concern about the credit limit and they hey inserted the request for the LO to review

Ps they were very polite

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

Re: PenFed again Playing Games/cli/pending/2.5k increase


danielodonoll wrote:

That was for the other card the new one.This is for the Old card that i opened last october


My understanding ( PenFed told me this) you have to wait at least 1 yr for a CLI on the card you opened in Oct.


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

Ok, I thought when you requested an increase to your new card this idea of increasing the older card came up and it was advised to leave well enough alone. I believe you mentioned canceling the cards cause you weren't happy with the CLs.

Correct?
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: PenFed again Playing Games/cli/pending/2.5k increase


newportguy wrote:

danielodonoll wrote:

That was for the other card the new one.This is for the Old card that i opened last October


My understanding ( PenFed told me this) you have to wait at least 1 yr for a CLI on the card you opened in Oct.


I call them before i put the request for the cli

They told me after looking at all the information on the account,yes your account is eligible for the cli

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

Yes Lexie but i wanna give them a chance to show me they are a serious lender and the account hitting 6 months today i decided to wait...

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

[ Edited ]

danielodonoll wrote:

newportguy wrote:

danielodonoll wrote:

That was for the other card the new one.This is for the Old card that i opened last October


My understanding ( PenFed told me this) you have to wait at least 1 yr for a CLI on the card you opened in Oct.


I call them before i put the request for the cli

They told me after looking at all the information on the account,yes your account is eligible for the cli


All i can say, this is a new 1 for me. Last Nov. is when they told me it had to be at least 1yr. for a CLI


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: PenFed again Playing Games/cli/pending/2.5k increase

[ Edited ]

Newport Maybe so but i have to go with what i was told and i didn't take any action on the account before i consulted with the lender so if they miss informed me then i guess will have to see if the credit limit go up or not.

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.