topic Re: Penfed CLI App Timed Out in Credit Card Applications

Penfed CLI App Timed Out

mmmagique — Thu, 06 Jan 2022 02:07:40 GMT

I applied for a CLI with Penfed in order to take advantage of a nice balance transfer offer. It "circled" a couple of times and then timed out with a 400 error. I guess I'll just wait until tomorrow and log into my account? And maybe call them to see what happened?

Ugh!

Re: Penfed CLI App Timed Out

M_Smart007 — Thu, 06 Jan 2022 02:12:48 GMT

It seems to be a common problem with Team PenFed lately ...

You should be able to get it sorted out with a phone call.

Wishing you a good outcome!

Re: Penfed CLI App Timed Out

SUPERSQUID — Thu, 06 Jan 2022 03:32:06 GMT

@mmmagique wrote:
I applied for a CLI with Penfed in order to take advantage of a nice balance transfer offer. It "circled" a couple of times and then timed out with a 400 error. I guess I'll just wait until tomorrow and log into my account? And maybe call them to see what happened?
Ugh!

The same exact thing happened to me and a few others. My application ended with a 400 error page. I received an email from penfed within an hour or so saying i was approved, and the sl and int rate. This was about 3 weeks ago.

Re: Penfed CLI App Timed Out

coreyb80 — Thu, 06 Jan 2022 03:32:35 GMT

@M_Smart007 wrote:
It seems to be a common problem with Team PenFed lately ...
You should be able to get it sorted out with a phone call.

Wishing you a good outcome!

I echo this sentiment. You'll receive an email from Penfed with the results of the application. It timed out on me each time OP and then I received an email.

Re: Penfed CLI App Timed Out

AverageJoesCredit — Thu, 06 Jan 2022 12:51:07 GMT

Every time i app with Penfed it does this. You can usually see results in your online homepage. I think i called in for my first try and didnt get instant notice. Received email results were in and was approved (1 year after initial approval fyi)

Re: Penfed CLI App Timed Out

SUPERSQUID — Thu, 06 Jan 2022 15:59:25 GMT

@AverageJoesCredit You are the 2nd person to mention the one year mark for requesting a cli, M-Smart is the other person that reccomended 1 year. thanks.

Penfed was quite generous with me giving me a sl of 7.5k and automatically enrolling me in the honors so i get 2 pct cb.

Now i know to wait a year to request a cli although im not even sure i will get close to the 7.5k they gave me. i do have my eye on that introductory bt offer though.

Re: Penfed CLI App Timed Out

AverageJoesCredit — Thu, 06 Jan 2022 17:01:08 GMT

@SUPERSQUID wrote:
@AverageJoesCredit You are the 2nd person to mention the one year mark for requesting a cli, M-Smart is the other person that reccomended 1 year. thanks.
Penfed was quite generous with me giving me a sl of 7.5k and automatically enrolling me in the honors so i get 2 pct cb.
Now i know to wait a year to request a cli although im not even sure i will get close to the 7.5k they gave me. i do have my eye on that introductory bt offer though.

Im not sure 1 year is set in stone but it feels right. I think Penfeds bt offer are year round, basically a standard 3% fee at 0% for 12 months but best to call in and inquire. Penfed was really stingy with me my first couple years but i think this past year with their big growth they passed it down to their members. Not sure how they will be next year lol.

Re: Penfed CLI App Timed Out

mmmagique — Thu, 06 Jan 2022 18:14:08 GMT

I logged in last night but nothing had changed. I logged in this morning and noticed that my available credit had gone up. I saw a message that said I was conditionally approved but I had to finish my application.

Finishing my application was just answering whether I wanted to add an authorized user. (No, which I already answered last night.) And then it said I was approved, although my available credit already reflected that.

I never did receive an email or text about it one way or another. I'm glad I thought to log in and check.

Re: Penfed CLI App Timed Out

whoelze — Thu, 06 Jan 2022 19:27:14 GMT

yeah penfed's online submission process is hinky. after my membership was approved a couple of weeks ago, i was looking around on the website. I saw a message regarding personal loans and checking if pre-qualified. so naturally i clicked on it and had me go through the usual stuff of filling things out and i indicated $2k for the amount. when i clicked submit, the screen flickered, showed a pop up for a split second that said I was pre-approved for another amount. couldn't tell what the counter offer was because i blinked and the pop up screen disappeared. then a message saying my app was denied. the following day, a new item in applications showed up that said pending review. click on it and nothing. the next day it just disappeared from the list! so not sure what kind of pre-qualify, voodoo, hocus focus happened...but i was scratching my head afterwards.

Re: Penfed CLI App Timed Out

AverageJoesCredit — Thu, 06 Jan 2022 19:39:59 GMT

@mmmagique wrote:
I logged in last night but nothing had changed. I logged in this morning and noticed that my available credit had gone up. I saw a message that said I was conditionally approved but I had to finish my application.
Finishing my application was just answering whether I wanted to add an authorized user. (No, which I already answered last night.) And then it said I was approved, although my available credit already reflected that.
I never did receive an email or text about it one way or another. I'm glad I thought to log in and check.

Lo grats Sounds just about right

Re: Penfed CLI App Timed Out

coreyb80 — Thu, 06 Jan 2022 20:00:23 GMT

@mmmagique wrote:
I logged in last night but nothing had changed. I logged in this morning and noticed that my available credit had gone up. I saw a message that said I was conditionally approved but I had to finish my application.
Finishing my application was just answering whether I wanted to add an authorized user. (No, which I already answered last night.) And then it said I was approved, although my available credit already reflected that.
I never did receive an email or text about it one way or another. I'm glad I thought to log in and check.

It will take a few days for it to actually show up on your acount. I received a CLI on a Mon/Tues and it didn't show up until Thurs/Fri. If you're approved and you've completed the application it will show up.

Re: Penfed CLI App Timed Out

mgood — Fri, 07 Jan 2022 15:14:36 GMT

@SUPERSQUID wrote:
@AverageJoesCredit You are the 2nd person to mention the one year mark for requesting a cli, M-Smart is the other person that reccomended 1 year. thanks.

When I was approved, they told me I could request a CLI after 6 months. So 6 months and a few days later I asked and got a 3.5x increase.

Re: Penfed CLI App Timed Out

whoelze — Fri, 07 Jan 2022 17:08:57 GMT

Congrats on the CLI!

Re: Penfed CLI App Timed Out

Wavester64 — Fri, 07 Jan 2022 18:00:02 GMT

@mmmagique wrote:
I applied for a CLI with Penfed in order to take advantage of a nice balance transfer offer. It "circled" a couple of times and then timed out with a 400 error. I guess I'll just wait until tomorrow and log into my account? And maybe call them to see what happened?
Ugh!

the 2xs I apped for a CC with them the past 2-years both times the same thing happened.

I know it went thru because I immediately got an email about it - but PF should really fix that IMO

Re: Penfed CLI App Timed Out

mmmagique — Fri, 07 Jan 2022 18:06:02 GMT

I never got an email about it. Not when I applied, and not when they approved me. :/