Curious if I should fill out this PenFed survey...

[Anonymous]

So, I recently got a CLI on my PenFed PowerCash from 500 > 9000, yay! What I didn't know is that they send the survey after a CLI request. The thing is, before I manually put in the CLI request, I was waiting for a loan officer to call me to review my account, but she never did. I wonder if I should fill out the survey to mention that and maybe get a call from another. With that thought in mind...

Would it be possible to ask for more using the same HP? Or an APR reduction? I'm actually pretty happy with my limit, but it doesn't hurt to try. I would love the APR reduction though since I was initially approved for 14.75% or so. I just don't want to push my luck too hard lol. Any advice is appreciated, thank you! 

Score: 687 EQ Nextgen 

Inquiries: 3 

Baddies: None

[Anonymous]

Nothing bad can come from filling out the survey and they have been very generous to those that do.  Who knows what they might in addition to your CLI but I certainly would fill it out.

[Anonymous]

---

@Anonymous wrote:

Nothing bad can come from filling out the survey and they have been very generous to those that do.  Who knows what they might in addition to your CLI but I certainly would fill it out.

---

Thanks for responding, Irish.  Your advice is always incredibly helpful!  I guess I'll give it a whirl and see what happens!

[Anonymous]

Here is my experience with the survey. After getting a CLI on my Rewards card I received the survey. I was very honest and thanked them for being such an outstanding credit union. I also mentioned that I was hoping to get a PLOC, but couldn't seem to get there. I received a phone call after that and I told her my rebuild story never thinking for a minute I would ever get the PLOC. We just chatted. At the end she asked me how much I needed. I asked for 10k and boom, the PLOC. I couldn't believe it. Honestly, I think the personalization of speaking to someone was the key.

Good luck to you.

[Anonymous]

---

@Anonymous wrote:

Here is my experience with the survey. After getting a CLI on my Rewards card I received the survey. I was very honest and thanked them for being such an outstanding credit union. I also mentioned that I was hoping to get a PLOC, but couldn't seem to get there. I received a phone call after that and I told her my rebuild story never thinking for a minute I would ever get the PLOC. We just chatted. At the end she asked me how much I needed. I asked for 10k and boom, the PLOC. I couldn't believe it. Honestly, I think the personalization of speaking to someone was the key.

Good luck to you.

---

This is such an amazing story and I'm so happy that you got your PLOC in the end!   Congrats! I'll definitely keep this in mind. 

Well, looks like this question was for naught, though, since my survey link expired. Ah well, I'll just remember for next time lol!

[fltireguy]

yes

[sueblue34]

I just joined them a few days ago I would love get a PLOC but I don't want to risk being denied

[morgacj2004]

Absolutely. Have done so several times with positive results and no additional HP