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Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Penfed - is that a LUV button???

There's a link on the Penfed "your accounts" page for the Visa card that says "Change your credit limit."  Is it a LUV button???  I'm afraid to touch it.  
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Penfed - is that a LUV button???

That would be the "request a CLI" luv button. 

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Re: Penfed - is that a LUV button???


txjohn wrote:

That would be the "request a CLI" luv button. 

 

 


 

Have you ever touched it?  I'm scared.  
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Penfed - is that a LUV button???

Heck no!   :smileyhappy:  I've only been a member and CC for about 3 months and right now they have me in the "newbie" zone.  From my understanding they want a minimum of 6 months before the newbie cooties start to fall off.  :smileyvery-happy:

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Re: Penfed - is that a LUV button???

Can you adopt me?  I want to join NFCU.  Actually, my bro in law is retired AF and works for DoD.  He and my sister still have PX privileges in Tucson, so I could probably have her sponsor my membership.  
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Penfed - is that a LUV button???

He needs to join, then her, then you.  It takes just minutes and just $5 into a savings account.  Ask them for "the favor" as it is pretty simple.....and they may find out they really like/need NFCU too!

 

I had to have my father-in-law join, then my wife so that I could.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
score_building
Posts: 3,551
Registered: ‎01-10-2008
0

Re: Penfed - is that a LUV button???

pattycake- are you going for the cli at activation with pen fed?  you didn't receive your new card yet, right?

 

tx- your scores are pretty amazing considering your recent round of apps and no longer having a high achiever's AAoA.  how do you do what you do!?, lol

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Penfed - is that a LUV button???

[ Edited ]

It seems that once you get to a certain level that the "negtives" are limited (unless I report some heavy balances).  I have no derogs to factor into my score....so when negatives are factored, it only factors in that my "newest account" is 1 month old.  It does not factor in that my newest 6 accounts are 4 months or less.  Balances ding me if I let them report.

 

Also, EQ and TU seem to lose inquiries too...so I'm not "looking for credit" any more.

 

Now EX is a different story.  Got 4 recent inquiries and 9 in 24 months.  And my oldest account is only 13 years as opposed to 21 on EQ/TU and my AAoA will be only 2 years.  PSECU will give me an EX FICO next week, so I am curious to see the damage on EX :smileywink:

 

 

Message Edited by txjohn on 07-28-2009 12:47 PM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Contributor
pattycake
Posts: 760
Registered: ‎04-30-2007
0

Re: Penfed - is that a LUV button???


score_building wrote:

pattycake- are you going for the cli at activation with pen fed?  you didn't receive your new card yet, right?

 

tx- your scores are pretty amazing considering your recent round of apps and no longer having a high achiever's AAoA.  how do you do what you do!?, lol


 

I have not received the card.  I was just wondering what would happen if I touched it, like maybe I'd get the cooties if I wasn't supposed to. 
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Penfed - is that a LUV button???

Are you a new member?  If so, you all ready have cooties.  If not and you have been with them for at least 6 months, then your cooties are starting to fall off :smileywink:

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

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