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

Frequent Contributor

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


danielodonoll wrote:

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 misinformed me then i guess will have to see if the credit limit go up or not.


I understand, let us know the outcome because i sure like to know if they have changed it from 1 yr.  Good luck on your 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 *
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Message 11 of 18
New Contributor

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

Hey i appreciate it NewPort and for sure i will keep everyone updated on this

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
Message 12 of 18
Moderator Emerita

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

Good luck. PenFed is a serious lender and By the way... A conservative lender too.
Message 13 of 18
Valued Contributor

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


danielodonoll wrote:

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...


This reminds me too much of my nuisance customers ("I have paid $40K a month for the last 10 years and if you don't fix it TODAY, we will switch to .....") failing to realize that the customers I care about pay $2M a month, and that it is in fact highly unlikely that  they switch, and if by chance they do, it really doesn't matter.

 

So daniel, suppose Penfed came back and said "Actually we are joke lender and we don't intend to give you a CLI ever" and you rightly closed your accounts: how much would Penfed suffer.  As before when you threatened this, the answer is "Not at all".   So, the language is like childish posturing.  

 

Isn't the truth more you would quite like a decent CLI and want to see if you will get one.  You are not, in any meaningful sense, giving Penfed a chance to prove themselves worthy of your valuable business.   Unless your spend is off the order of $2M per month, in which case I take it back!

Message 14 of 18
New Contributor

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

Very true that Lexie and thank you for the advice

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
Message 15 of 18
New Contributor

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


bs6054 wrote:

danielodonoll wrote:

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...


This reminds me too much of my nuisance customers ("I have paid $40K a month for the last 10 years and if you don't fix it TODAY, we will switch to .....") failing to realize that the customers I care about pay $2M a month, and that it is in fact highly unlikely that  they switch, and if by chance they do, it really doesn't matter.

 

So daniel, suppose Penfed came back and said "Actually we are joke lender and we don't intend to give you a CLI ever" and you rightly closed your accounts: how much would Penfed suffer.  As before when you threatened this, the answer is "Not at all".   So, the language is like childish posturing.  

 

Isn't the truth more you would quite like a decent CLI and want to see if you will get one.  You are not, in any meaningful sense, giving Penfed a chance to prove themselves worthy of your valuable business.   Unless your spend is off the order of $2M per month, in which case I take it back!


It makes no difference to me either way my friendSmiley Wink

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
Message 16 of 18
Senior Contributor

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

1@daniel!;-) no room for naysayers
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 18
New Contributor

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

Lol YoungSmiley Very Happy

No sir not today!!

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
Message 18 of 18