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PenFed PLOC CLI with a SP ? Possible?

Established Contributor

PenFed PLOC CLI with a SP ? Possible?

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.

EX 786
EQ 777
TU 779

All Chp7, Judgements , CO's now legally clean from scores low 600's just using this forum
Chase Amzn 8.5k , Citi BB 3k, Citi Gdyr 5K, Amzn Store 12k, SallieMae 12k Amex BCE 29k , PenFed Promise 40k@8+% +10k PLOC@10%, NFCU member
Message 1 of 7
6 REPLIES
Moderator

Re: PenFed PLOC CLI with a SP ? Possible?


smarzig wrote:

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.


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.

Message 2 of 7
Frequent Contributor

Re: PenFed PLOC CLI with a SP ? Possible?

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...)

Message 3 of 7
Established Contributor

er the Re: PenFed PLOC CLI with a SP ? Possible?

I apped for the defender then shortly after the PLOC when I first joined and it was two seperate HPs Smiley Sad

EX 786
EQ 777
TU 779

All Chp7, Judgements , CO's now legally clean from scores low 600's just using this forum
Chase Amzn 8.5k , Citi BB 3k, Citi Gdyr 5K, Amzn Store 12k, SallieMae 12k Amex BCE 29k , PenFed Promise 40k@8+% +10k PLOC@10%, NFCU member
Message 4 of 7
Frequent Contributor

Re: er the Re: PenFed PLOC CLI with a SP ? Possible?


smarzig wrote:

I apped for the defender then shortly after the PLOC when I first joined and it was two seperate HPs Smiley Sad


Ugh...I guess I will just wait around and see if they CLI me on their own... Smiley Indifferent

Message 5 of 7
Established Contributor

Re: er the Re: PenFed PLOC CLI with a SP ? Possible?

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.

EX 786
EQ 777
TU 779

All Chp7, Judgements , CO's now legally clean from scores low 600's just using this forum
Chase Amzn 8.5k , Citi BB 3k, Citi Gdyr 5K, Amzn Store 12k, SallieMae 12k Amex BCE 29k , PenFed Promise 40k@8+% +10k PLOC@10%, NFCU member
Message 6 of 7
Highlighted
Frequent Contributor

Re: er the Re: PenFed PLOC CLI with a SP ? Possible?

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).

Message 7 of 7