Ok im in one of those moments we all come across sometimes in this zany credit world. Perhaps someone will talk me off the proverbial ledge, though it may be too late (youll know why by the end of baby rant ,lol)
So since im in process of having my Equifax issues fixed once and forall, i figure while i have it open, id try to get that one cli id like to have from Penfed for my lowest cl , Promise Visa at $500. In the last year ive tried like 3 or 4 times with and without recon, all to no success. I tried again last night to test the waters. Logged in just now to find out that yet again denied due to, from the description , i gather too much credit or something like that.
I just wrote them a sm informing them i would like to know how i go about closing the card. Its quite obvious that theyll never give me any kind oc increase and i truely feel it has to do more with my income then credit i have. I understand you can have too much credit in regards to income but when they tell you in the begining they want to see some history then you give them history ( i know its short but still history) and they still dont want to reward your good credit worthiness, its just disheartening. All my other creditors have grown with me and i told them as much. I plan on Bting the remainder of my personal loan away as soon as i find a reasonable way to do so. Im finding i may be on the opposite side of how many people view CU'S. Low income does not equate to good experience with them . Ahh, sorry folks forgive me tonight, just one of those days and any comments good or bad are welcome, ive been here long enough to know we all gotta take our wacks once in awhile. Have a good night everyone
So since im in process of having my Equifax issues fixed once and forall, i figure while i have it open, id try to get that one cli id like to have from Penfed for my lowest cl , Promise Visa at $500. In the last year ive tried like 3 or 4 times with and without recon, all to no success. I tried again last night to test the waters. Logged in just now to find out that yet again denied due to, from the description , i gather too much credit or something like that.
I just wrote them a sm informing them i would like to know how i go about closing the card. Its quite obvious that theyll never give me any kind oc increase and i truely feel it has to do more with my income then credit i have. I understand you can have too much credit in regards to income but when they tell you in the begining they want to see some history then you give them history ( i know its short but still history) and they still dont want to reward your good credit worthiness, its just disheartening. All my other creditors have grown with me and i told them as much. I plan on Bting the remainder of my personal loan away as soon as i find a reasonable way to do so. Im finding i may be on the opposite side of how many people view CU'S. Low income does not equate to good experience with them . Ahh, sorry folks forgive me tonight, just one of those days and any comments good or bad are welcome, ive been here long enough to know we all gotta take our wacks once in awhile. Have a good night everyone
@AverageJoesCredit wrote:
Ok im in one of those moments we all come across sometimes in this zany credit world. Perhaps someone will talk me off the proverbial ledge, though it may be too late (youll know why by the end of baby rant ,lol)
So since im in process of having my Equifax issues fixed once and forall, i figure while i have it open, id try to get that one cli id like to have from Penfed for my lowest cl , Promise Visa at $500. In the last year ive tried like 3 or 4 times with and without recon, all to no success. I tried again last night to test the waters. Logged in just now to find out that yet again denied due to, from the description , i gather too much credit or something like that.
I just wrote them a sm informing them i would like to know how i go about closing the card. Its quite obvious that theyll never give me any kind oc increase and i truely feel it has to do more with my income then credit i have. I understand you can have too much credit in regards to income but when they tell you in the begining they want to see some history then you give them history ( i know its short but still history) and they still dont want to reward your good credit worthiness, its just disheartening. All my other creditors have grown with me and i told them as much. I plan on Bting the remainder of my personal loan away as soon as i find a reasonable way to do so. Im finding i may be on the opposite side of how many people view CU'S. Low income does not equate to good experience with them . Ahh, sorry folks forgive me tonight, just one of those days and any comments good or bad are welcome, ive been here long enough to know we all gotta take our wacks once in awhile. Have a good night everyone
Hey AJC! Sorry to hear about this. I truly understand your frustration and commiserate with you.
I'm not sure what is happening with PenFed and why they are making the decisions that they are when it comes to your profile. I truly don't have much insight as I am not a member with them yet. I've stuck with NFCU and Allliant as my credit unions.
1. One suggestion for PenFed:I was reading on here about the survey that some get and are able to recon through the survey and see great results. Have you received one of those before? Have you tried that route?
Edited to delete suggestion on NFCU.
Thanks guys. Yes i did get a survey at the begining , even got the call where they were as polite as ine would expect. Got the whole history spiel which i understood. But when you tell me one thing and show me another, i dont like that. I believe now what ive heard before if you go in with dirty profile, youll most likely be bucketed. What truely tops the cake, i finally can see my Eq on CK, and yes the hp me so i know they saw my profile is clean and im not sure of my Eq Fico and next gen but my Eq faki hit 738, thats even higher than mt TU fako ever reached. Im just gonna check it up to experience and hopefully Navy comes through in time . If not , not gonna lise any sleep over it ill just have to use banks as my main cc hubs
@AverageJoesCredit wrote:
Thanks guys. Yes i did get a survey at the begining , even got the call where they were as polite as ine would expect. Got the whole history spiel which i understood. But when you tell me one thing and show me another, i dont like that. I believe now what ive heard before if you go in with dirty profile, youll most likely be bucketed. What truely tops the cake, i finally can see my Eq on CK, and yes the hp me so i know they saw my profile is clean and im not sure of my Eq Fico and next gen but my Eq faki hit 738, thats even higher than mt TU fako ever reached. Im just gonna check it up to experience and hopefully Navy comes through in time . If not , not gonna lise any sleep over it ill just have to use banks as my main cc hubs
Aaah AJC, that sucks, especially now that they see you have a clean profile. How frustrating!!! Sorry! Hopefully NFCU will come through for you as they have so many others. But if not, I try to think of it as their loss in a way. Like you said, you will use banks as your main cc hubs. Let them get the swipe fees.
Have they replied to your SM yet? Sorry about the CLI. I'm not familiar with them or the card. Maybe you can app for a new one in the future? Or do they tag your account and you get stuck at this profile forever? Maybe it's the name...try AwesomeJoeCredit
Sorry to hear AJC 
If you get something with NFCU maybe you will get some movement...I hear they like to compete with NFCU...