@Anonymous wrote:
@kugel wrote:
Second time in the last 12 months no success for the PLOC I guess they don't wanna give me it ,
nextgen fico 724
I do have the power card with 26k 6 months old and the promise card with 17k 15 months old total cl is 42k
since I anyway took the credit pull for the PLOC should I apply for a cli ? To get the total PenFed cl 50k
My utilization is zero and 22 month old bk
Zero utilization will not give you optimal scores. One card should report 1-8%.
With a 22 month old BK, you should be greatful they have extended you 42k.
+1 the fact that you obtained two, high limit cards with PenFed at all, let alone with a less-than-two-year-old bankruptcy just goes to show how much PenFed has changed in recent years. They have become a lot less conservative. I'd say you are doing pretty good with those two cards. If you absolutely need a PLOC, maybe try another institution as PenFed has extended all the credt to you that they are willing to give at the moment.
