https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166260#M21739 On my PenFed account page it shows the overdraft line of credit but says there is $0 available balance. I haven’t used it so I am confused. This is a brand new just applied for account. Does it take time to show up? Sat, 17 Feb 2018 21:27:14 GMT Anonymous 2018-02-17T21:27:14Z https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166260#M21739 On my PenFed account page it shows the overdraft line of credit but says there is $0 available balance. I haven’t used it so I am confused. This is a brand new just applied for account. Does it take time to show up? Sat, 17 Feb 2018 21:27:14 GMT https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166260#M21739 Anonymous 2018-02-17T21:27:14Z https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166317#M21740 <P>I'd give them a call. &nbsp;It should show that there isn't a balance if you haven't used it but availabe credit shouldn't be $0 either. &nbsp;See a pic of what it should look like. &nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2018-02-17 at 4.21.06 PM.png" style="width: 206px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/31868i4E7078208FA30233/image-size/large?v=v2&amp;px=999" role="button" title="Screen Shot 2018-02-17 at 4.21.06 PM.png" alt="Screen Shot 2018-02-17 at 4.21.06 PM.png" /></span></P> Sat, 17 Feb 2018 22:24:25 GMT https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166317#M21740 Loquat 2018-02-17T22:24:25Z https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166496#M21743 Give it a couple days. I just got mine last week and it took about 3 or 4 business days to show an available balance. Sun, 18 Feb 2018 01:31:07 GMT https://ficoforums.myfico.com/t5/Personal-Finance/PenFed-OLOC-question/m-p/5166496#M21743 Anonymous 2018-02-18T01:31:07Z