topic Re: PenFed CLI in Credit Card Applications

PenFed CLI

Anonymous — Fri, 23 Oct 2020 04:30:15 GMT

How do you go about requesting one now? I haven't had the 'request increase' thing over my cards for the longest time. Now I go and any CC product redirects to outside of your account to apply for a card and seeing no option any where to try to get a CLI. There is no termonology I'm seeing that indicates it'll go as a CLI if you already have a card. Looks like it's for fresh card.

Tried looking and all I get is even more confusion by reading people state they applied for their CLI through their app. I've never seen that as an option in neither the Android or iOS app.

Am I tunnel visioning and missing something blatantly obvious? lol

Re: PenFed CLI

AllZero — Fri, 23 Oct 2020 04:37:15 GMT

I'm not sure online, I can't find it either. If you want one, perhaps call into csr and request it?

Re: PenFed CLI

FinStar — Fri, 23 Oct 2020 05:28:34 GMT

Yup, I don't see it displayed for the CCs either. It is, however, an available option for PLOC or OLOC, though.

Re: PenFed CLI

Anonymous — Fri, 23 Oct 2020 05:54:14 GMT

@FinStar wrote:
Yup, I don't see it displayed for the CCs either. It is, however, an available option for PLOC or OLOC, though.

Are you actually seeing a list of CCs there, just no CLI button? Or is it a few lines of text with a hyperlink telling you to basically go to the public site and look at the CC info? I'm seeing the latter all of a sudden. Wasn't like that in June/July, which is the last time I looked.

Re: PenFed CLI

Anonymous — Fri, 23 Oct 2020 06:02:02 GMT

@AllZero wrote:
I'm not sure online, I can't find it either. If you want one, perhaps call into csr and request it?

Yeah, I just hate answering questions on the phone, I feel like I'm being judged or something - lol. Not to mention finding the right time to call in. Not like they're like Discover and/or NFCU and open 24x7x365.

Re: PenFed CLI

FinStar — Fri, 23 Oct 2020 06:10:44 GMT

@Anonymous wrote:
@FinStar wrote:
Yup, I don't see it displayed for the CCs either. It is, however, an available option for PLOC or OLOC, though.
Are you actually seeing a list of CCs there, just no CLI button? Or is it a few lines of text with a hyperlink telling you to basically go to the public site and look at the CC info? I'm seeing the latter all of a sudden. Wasn't like that in June/July, which is the last time I looked.

Screenshot below:

Re: PenFed CLI

AllZero — Fri, 23 Oct 2020 06:12:24 GMT

@Anonymous wrote:
@AllZero wrote:
I'm not sure online, I can't find it either. If you want one, perhaps call into csr and request it?
Yeah, I just hate answering questions on the phone, I feel like I'm being judged or something - lol. Not to mention finding the right time to call in. Not like they're like Discover and/or NFCU and open 24x7x365.

Not sure if CSR will grill you or not. I guess try calling during business hours? I think any csr can help you do a CLI request on their end by processing it in their computer. It should be painless.

Re: PenFed CLI

FinStar — Fri, 23 Oct 2020 06:12:44 GMT

@Anonymous wrote:
@AllZero wrote:
I'm not sure online, I can't find it either. If you want one, perhaps call into csr and request it?
Yeah, I just hate answering questions on the phone, I feel like I'm being judged or something - lol. Not to mention finding the right time to call in. Not like they're like Discover and/or NFCU and open 24x7x365.

Well, since the option is currently unavailable online, then your best bet is to contact them - if you're really pursuing a CLI 🤷

Re: PenFed CLI

Anonymous — Mon, 29 Mar 2021 15:47:18 GMT

The link is not in the same place as it used to be. You need to go to their site (don't use the app) and click on the "More Account Info and Actions" link. The CLI request link is in there.

Re: PenFed CLI

hawkins — Fri, 23 Oct 2020 11:39:38 GMT

Actually back over the summer when I was on the phone with them the CSR mentioned they removed the request limit increase button for the time being. Whatever that means. I would guess due to the virus situation who knows. I had to call and take a HP to manually get a CLI. Some people if they are luckey will still get an offer for an increase the good way by quarterly offers I have never ever gotten one that way. Such is PenFed.

Re: PenFed CLI

Anonymous — Fri, 23 Oct 2020 18:52:10 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
Yup, I don't see it displayed for the CCs either. It is, however, an available option for PLOC or OLOC, though.
Are you actually seeing a list of CCs there, just no CLI button? Or is it a few lines of text with a hyperlink telling you to basically go to the public site and look at the CC info? I'm seeing the latter all of a sudden. Wasn't like that in June/July, which is the last time I looked.
Screenshot below:

Yeah, that's it!

Re: PenFed CLI

Anonymous — Mon, 29 Mar 2021 15:47:57 GMT

@Anonymous wrote:
The link is not in the same place as it used to be. You need to go to their site (don't use the app) and click on the "More Account Info and Actions" link. The CLI request link is in there.

I thought of that. Not there for me. Guess if I really wanna pursue this, I'm going to have to call in after all. Thanks all!

Still not sure how/where those people that I read posts of, did it via the mobile app like they claimed. Guessing maybe they were using a mobile browser or something because I've never seen it in neither version I've had.

Re: PenFed CLI

Anonymous — Mon, 29 Mar 2021 15:48:39 GMT

@Anonymous wrote:
@Anonymous wrote:
The link is not in the same place as it used to be. You need to go to their site (don't use the app) and click on the "More Account Info and Actions" link. The CLI request link is in there.

I thought of that. Not there for me. Guess if I really wanna pursue this, I'm going to have to call in after all. Thanks all!

Still not sure how/where those people that I read posts of, did it via the mobile app like they claimed. Guessing maybe they were using a mobile browser or something because I've never seen it in neither version I've had.

I don't know if there is any rhyme or reason to when/If the CLI link appears in the "More Accounts Info and Actions" menu, but my PCR does not have the CLI link while the Platinum Rewards does have the link. The PCR card is at PenFeds general $25k limit, however.

Re: PenFed CLI

Anonymous — Fri, 23 Oct 2020 19:28:41 GMT

I called in because I had to check and make sure they received the title for the car I bought with them too. She went through I guess her personal account and had all the same issues requesting it online as well, after telling me that they actually prefer you do it that way. And trying to do it via starting a new app from their redirect, definitely does it for a new card, not a CLI, like I thought - she confirmed it was showing as such.

They've always been weird with that button showing up and vanishing, but apparently, this is something new that she hadn't heard of.

Re: PenFed CLI

addicted_to_credit — Mon, 29 Mar 2021 15:49:18 GMT

I don't think you can get a CLI if you're at 25k anymore it's not available for me on the PCR but it is for the platinum rewards card

Re: PenFed CLI

Anonymous — Sat, 24 Oct 2020 16:57:54 GMT

@hawkins wrote:
Actually back over the summer when I was on the phone with them the CSR mentioned they removed the request limit increase button for the time being. Whatever that means ...

I think it means take whatever a CSR says with several grains of salt. Since I've been a member -- 7/2018 -- it's always been exactly where @Anonymous described upthread. And even after getting an 18k CLI recently, it remains there. Go figure, huh?

Re: PenFed CLI

cashorcharge — Mon, 29 Mar 2021 15:50:03 GMT

This could be one of those "We're transitioning from one process to the other" or it could be "The account isn't eligible at this time"

To be honest, I haven't been with them long enough to know but suffice to say my accounts are 2 months and 3 months old and I have the option on both. I believe I read they only do HP CLI's when I've read about them on the Approvals Board. Good Luck

Re: PenFed CLI

FinStar — Tue, 27 Oct 2020 00:27:21 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
Yup, I don't see it displayed for the CCs either. It is, however, an available option for PLOC or OLOC, though.
Are you actually seeing a list of CCs there, just no CLI button? Or is it a few lines of text with a hyperlink telling you to basically go to the public site and look at the CC info? I'm seeing the latter all of a sudden. Wasn't like that in June/July, which is the last time I looked.
Screenshot below:

Yeah, that's it!

In my case, and after checking with them, it appears I'm beyond the total $50K cap for my 3 CCs so the CLI request link will not display. That said, I'm still grandfathered under the old system that allows me to reallocate CLs above the $25K cap per individual card if needed 🤷.

I'm sure things will display in some quirky ways for a variety of account profiles such as some of the examples shared upthread.