topic Re: Pendread No More -- a Happy Penfed CLI in Credit Card Approvals

Pendread No More -- a Happy Penfed CLI

Anonymous — Fri, 16 Oct 2020 20:22:45 GMT

A couple of years back I first got in with Penfed, detailed here. It was an arduous process for small reward -- $2000 SL that until today had not grown despite me tossing HPs at it like rice at a wedding. "No more!" I said, more than once, after another failed app or CLI. But I've been abstinent since January and was prepared to wait until a CLI showed in OFFERS.

Two things happened:

1) Quarterly offers came & went (October 1st) with nothing for me;

2) An EQ HP aged off (12 + months) this week dropping my number from 4 to 3, yet I saw zero change in FICO score.

So it didn't take my brain long to decide if I didn't gain points dropping a HP then I wouldn't lose points taking a HP -- in essence a free spin of the wheel! Who doesn't love free stuff? Who doesn't love spinning a wheel?

Logged in, updated income, housing, employment. The wheel spun for a few seconds & then disconnected me. But seconds later I got an APPROVAL email -- new CL $20,000.

Thinking I might now ask for a 2nd card ...

DPs:

(expected) HP -- EQ9 778;

INQ: 3 last 12 months ; 1 last 6 months;

No derogs;

INCOME: 100 +

Re: Pendread No More -- a Happy Penfed CLI

cashorcharge — Fri, 16 Oct 2020 20:18:07 GMT

WOW!!! That's outstanding! Congratulations on that terrific CLI! Absolutely worth the HP! Pick a up Lotto ticket today while you're at!

Re: Pendread No More -- a Happy Penfed CLI

AllZero — Fri, 16 Oct 2020 20:18:20 GMT

Congratulations on your CLI! Thank you for sharing the data points.

Re: Pendread No More -- a Happy Penfed CLI

M_Smart007 — Fri, 16 Oct 2020 20:42:16 GMT

@Anonymous, Congratulations on your Penfed CLI Approval..HatTipSmileyAnim.gif

Re: Pendread No More -- a Happy Penfed CLI

coreyb80 — Fri, 16 Oct 2020 20:42:42 GMT

Congrats on the great CLI!

Re: Pendread No More -- a Happy Penfed CLI

nuohlac — Fri, 16 Oct 2020 20:44:58 GMT

Congratulations on your CLI!!! Thanks for the DP's.

Re: Pendread No More -- a Happy Penfed CLI

Anonymous — Fri, 16 Oct 2020 20:54:30 GMT

From 2k to 20k? That's what's up. Helluva CLI, congrats!

Re: Pendread No More -- a Happy Penfed CLI

JR_TX — Fri, 16 Oct 2020 20:57:24 GMT

Wow Congrats!

Pendread no more indeed!

Re: Pendread No More -- a Happy Penfed CLI

gdale6 — Fri, 16 Oct 2020 21:58:52 GMT

Grats on the CLI!

Re: Pendread No More -- a Happy Penfed CLI

AverageJoesCredit — Fri, 16 Oct 2020 23:09:56 GMT

@Anonymous wrote:
A couple of years back I first got in with Penfed, detailed here. It was an arduous process for small reward -- $2000 SL that until today had not grown despite me tossing HPs at it like rice at a wedding. "No more!" I said, more than once, after another failed app or CLI. But I've been abstinent since January and was prepared to wait until a CLI showed in OFFERS.

Two things happened:

1) Quarterly offers came & went (October 1st) with nothing for me;
2) An EQ HP aged off (12 + months) this week dropping my number from 4 to 3, yet I saw zero change in FICO score.

So it didn't take my brain long to decide if I didn't gain points dropping a HP then I wouldn't lose points taking a HP -- in essence a free spin of the wheel! Who doesn't love free stuff? Who doesn't love spinning a wheel?

Logged in, updated income, housing, employment. The wheel spun for a few seconds & then disconnected me. But seconds later I got an APPROVAL email -- new CL $20,000.

Thinking I might now ask for a 2nd card ...

DPs:
(expected) HP -- EQ9 778;
INQ: 3 last 12 months ; 1 last 6 months;
No derogs;
INCOME: 100 +

Wow my income is close to yours....🤔.... ok well at least the plus🤭

Great job Jimmy Something is in Penfeds drinking well lol. Stars are aligning, people getting approved with fresh bks, approvals is inundated with what do you call them....oh yea, approvals, and even i cant hate on them....much

Re: Pendread No More -- a Happy Penfed CLI

Anonymous — Fri, 16 Oct 2020 23:22:47 GMT

@AverageJoesCredit wrote:
... even i cant hate on them....much

The water's great! Oh, man, it's not even a little bit cold in here. Time to jump in? You know you want to ...

Re: Pendread No More -- a Happy Penfed CLI

M_Smart007 — Sat, 17 Oct 2020 01:38:00 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
... even i cant hate on them....much
The water's great! Oh, man, it's not even a little bit cold in here. Time to jump in? You know you want to ...

@Anonymous .. Hilarious

Re: Pendread No More -- a Happy Penfed CLI

CreditAggie — Sat, 17 Oct 2020 03:38:09 GMT

Congratulations on your PenFed CLI!

Re: Pendread No More -- a Happy Penfed CLI

mrcraft — Sat, 17 Oct 2020 03:40:41 GMT

Congratulations on your CLI!!

Re: Pendread No More -- a Happy Penfed CLI

MartyWrite75 — Sat, 17 Oct 2020 15:04:20 GMT

Congratulation on your approval! Nice SL!

Re: Pendread No More -- a Happy Penfed CLI

Meanmchine — Sun, 18 Oct 2020 02:02:57 GMT

Id eat an HP everyday for an $18k CLI ( scoreable or not )

Congrats !!

Re: Pendread No More -- a Happy Penfed CLI

AverageJoesCredit — Sun, 18 Oct 2020 13:32:57 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
... even i cant hate on them....much
The water's great! Oh, man, it's not even a little bit cold in here. Time to jump in? You know you want to ...

Wanted to .....and did.... TBC😄

Re: Pendread No More -- a Happy Penfed CLI

Swordfish20 — Sun, 18 Oct 2020 13:53:59 GMT

Wow. Awesome CLI! Congrats!