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Hello all,
I have Penfed
40k Defender @8.49
10k PLOC @10%+
scores are all about 790 with no negs.
Any chance on CLOC CLI w/out a HP?
Sorry IDK if this is the wrong thread.
@Anonymous wrote:Hello all,
I have Penfed
@40k Defender @8.49
@Anonymous PLOC @741051%+
scores are all about 790 with no negs.
Any chance on CLOC CLI w/out a HP?
Sorry IDK if this is the wrong thread.
It will be a HP unless you applied for some other credit item with them in last 90 days and then it still is YMMV.
Would the same apply if requesting a CLI with PenFed within first 90 days of opening a credit card? (just trying not to have another HP if possible...)
I apped for the defender then shortly after the PLOC when I first joined and it was two seperate HPs
@Anonymous wrote:I apped for the defender then shortly after the PLOC when I first joined and it was two seperate HPs
Ugh...I guess I will just wait around and see if they CLI me on their own...
So I got the PLOC CLI from 10k to 25k with no HP at all
When I did my initial CLI 6 months ago , I was told 50 was max total credit exposure which is not correct apparently.
50 is max total CC exposure and 25k is max PLOC .. the two are not related.
I'm not sure but its possible that is why they gave me a PLOC CLI with not HP (soft I assume)
but I couldn't tell you. I was grateful for not getting a HP since I know NFCU is HP happy.
Sorry for the delay and congrats on the increase! Good info on the HPs you experienced...I guess I could always call but we are so close to Q2, I think I might just wait and see if I have any pre-approvals this go round, notice they did an AR on my account in late Feb (seperate from the HP done for my 2 new CCs).