topic Re: PENFED CLI in Credit Cards

PENFED CLI

Anonymous — Tue, 14 Sep 2010 17:00:22 GMT

Hello All,

I have tried asking this question a couple times but no answer, so I thought let me try again through a new post. My PENFED card (VISA cashback) just became one year old (09/09/2010)and I was wondering if I could get a CLI. Does anyone know if this will be a soft pull or a hard pull?

I also have their AMEX, which will be one year in November. I have always PIF except a couple months left 50-100 bucks. VISA is at 2500 and AMEX is at 5k. Scores in the siggy. Any help would be greatly appreciated.

Thanks

Re: PENFED CLI

FocusOnFICO — Tue, 14 Sep 2010 18:26:15 GMT

I requested a cli when my account reached one year--it was a hard pull

I had heard of the "pre-approvals", but according to a few PenFed csrs, those are now less abundant than before.

Re: PENFED CLI

wmarat — Wed, 15 Sep 2010 00:44:17 GMT

If u request CLI - hard pull

If u get preapproval - no hard pull.

Re: PENFED CLI

UFGuy2006 — Thu, 30 Dec 2010 21:23:12 GMT

@Anonymous wrote:
Hello All,

I have tried asking this question a couple times but no answer, so I thought let me try again through a new post. My PENFED card (VISA cashback) just became one year old (09/09/2010)and I was wondering if I could get a CLI. Does anyone know if this will be a soft pull or a hard pull?

I also have their AMEX, which will be one year in November. I have always PIF except a couple months left 50-100 bucks. VISA is at 2500 and AMEX is at 5k. Scores in the siggy. Any help would be greatly appreciated.

Thanks

Definitely hard pull.

If you are on the market for an additional credit product (card/loan), you can use that same hard pull for those.

Re: PENFED CLI

Anonymous — Thu, 30 Dec 2010 23:04:48 GMT

It's been 15 months since opening my account , and I'm still waiting on the preapproval to pop-up.

Re: PENFED CLI

score_building — Fri, 31 Dec 2010 03:45:55 GMT

@Anonymous wrote:
It's been 15 months since opening my account , and I'm still waiting on the preapproval to pop-up.

Apparently some members never receive them, for whatever reason.