Credit Cards

[Creditaddict]

If you live overseas, why don't you get credit overseas? then you won't pay international fees on us credit card.

[antsmith101]

not to hijack thread but got quick question on penfed... I already opened account and got hard pull from EQ.... so my question is from what you said earlier..

I should apply for CC anyways cause I already got hit form from EQ and it wont cost me another hit? I got one baddie CO from 2004 and score is posted below. oh and 1 other CA baddie falling off 2008/12. thanx

And back to other guy...

have you tried the pre-qual site on BofA? maybe something fits and it a soft pull.

anyways im still new at this... just thought i throw that in

[FaircreditguyFL]

PenFed won't pull new report if the last pull was w/i 90 days.

[jmbfl]

You already ate the hard inquiry - you might as well ask for the card, or anything else you might want for matter. It wont cost you anything more except maybe a few minutes. Be square with them and don't ask for too much too soon. Depending on your income, I would ask for the rewards card with a $5K CL, get a foot in the door, then request a CLI in two months. The CLI request will not cost you another hard inq. That's the program I'm on. So far so good.

[FaircreditguyFL]

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jmbfl wrote:

You already ate the hard inquiry - you might as well ask for the card, or anything else you might want for matter. It wont cost you anything more except maybe a few minutes. Be square with them and don't ask for too much too soon. Depending on your income, I would ask for the rewards card with a $5K CL, get a foot in the door, then request a CLI in two months. The CLI request will not cost you another hard inq. That's the program I'm on. So far so good.

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you received a cli within 2 months of obtaining penfed cc?

[jaxstraw]

I asked for a CLI from PenFed one or two days after getting approved. Didn't even have the card yet. 7500 to 15000. Took about ten minutes on the website, Enough time to log off and then back in.

Jax

[jmbfl]

I got my increase from $5K to $10K within two weeks of my original app. When you app they internally approve you for an amount which may exceed the CL you asked for. They will then grant you a CL = to what you asked for. In that case the CLI is automatic if you are not asking for a total amount of CL in excess of that previously determined internal number. If it does they will probably run you through a few more hoops. Mine increase was available on my card within 72 hours of my asking for it