topic Re: PenFed Survey - Am I being greedy? in Credit Card Applications

PenFed Survey - Am I being greedy?

ExplicitElicit — Mon, 21 Aug 2017 17:10:00 GMT

So I applied for the power card card and an underwriter called for income verification. After sending everything over she sent me an email stating that she approved the application for $5K. I replied asking if they could match my NFCU card and within moments received a reply stating they had no problem honoring that and approved for $10K. After I received the message I wished I would've asked for more. Anyways, I just received the survey and thought about filling it out to see if I can't go for more, but I'm not sure if that survey would be sent back to the same UW. I could only imagine the response would be "you got exactly what you asked for".

Let me know your thoughts before I make myself look an %*&

Re: PenFed Survey - Am I being greedy?

fltireguy — Mon, 21 Aug 2017 17:49:05 GMT

You weren't greedy enough. Lol

Re: PenFed Survey - Am I being greedy?

fltireguy — Mon, 21 Aug 2017 17:49:34 GMT

Ask for $20k on survey- worst they can say is no

Re: PenFed Survey - Am I being greedy?

ExplicitElicit — Mon, 21 Aug 2017 18:36:11 GMT

Well told them I wanted $25,000. We will see how this plays out.

Re: PenFed Survey - Am I being greedy?

morgacj2004 — Mon, 21 Aug 2017 23:25:22 GMT

They already did a HP no harm in requesting more. They sent u the survey not vice versa!

Re: PenFed Survey - Am I being greedy?

CreditCuriosity — Tue, 22 Aug 2017 01:54:47 GMT

Personally I would show them about 75 days of use then mesh the CLI button as it shoul be the same HP and you should get some more meat off the bone that way.

Re: PenFed Survey - Am I being greedy?

Total80sKid — Tue, 22 Aug 2017 05:46:46 GMT

Good luck!

I sent back my survey a month ago and I'm still waiting to hear from them

Re: PenFed Survey - Am I being greedy?

ExplicitElicit — Tue, 22 Aug 2017 15:23:23 GMT

@Total80sKid wrote:
Good luck!

I sent back my survey a month ago and I'm still waiting to hear from them

I was curious about that, some say that got a call back immediately and some never. I left a good review for the most part because the person I dealt with was great. So maybe they won't even give it a second look. If not that's okay, still happy.

Re: PenFed Survey - Am I being greedy?

ExplicitElicit — Wed, 23 Aug 2017 15:10:29 GMT

UPDATE: Received a secured message in my PenFed account. Opened it up, they said they want to see usage at my current limit before reviewing for a CLI. They did note my score used was the (Nextgen) - I must have applied 1/2 days before the switch because my Fico9 is WAY higher compared to Nextgen. Ohh well, time to let this ride and grow naturally!

Re: PenFed Survey - Am I being greedy?

Tazman81 — Thu, 24 Aug 2017 03:34:57 GMT

I had a similar experience. They wanted to see usage on my card at 10k, even though I had a higher credit limits for other cards. So, I used the card heavily and then just before the 90 day mark, I requested a CLI. They used the same pull as I had on file, and bumped me to $25k. Now, I'm hoping for the SP CLI to start taking over the rest and keep me moving up the ladder. I do use this card heavily b/c of the 2% cash back.