Yesterday's PCR approval was a great moment, but in the reading I've done, common wisdom says you can recycle the HP for up to 90 days for additional products.
I'm calling them tomorrow to set up funding of the Access America checking account to unlock the 2% cash back on the card. I figured I would also speak with them about refinancing my car loan (5.99% currently through Key Bank, and PenFed lists loans as low as 2.99% for my 2017 Audi).
I don't want to go after a second card with them right now - two new accounts this weekend is more than enough - but has anyone ever recon'd their card's SL this early? I have e-signed the documents they sent me, and all of that related paperwork is done, but the card likely won't even be here before this coming weekend.
I am trying to learn the ins and outs of PenFed through threads here, but to sum up, this is what I'm wondering:
1 - is an SL recon a thing they're known to entertain on the original HP right at the outset of the relationship?
2 - is there a limit to how many uses you can get from that HP? I saw another member got a CLI, a second card, and a loan on one pull. I'm not looking to do more than three possible things (the card that was approved, possible CLI, possible auto re-fi), but I'm curious if there's a point that they'll require another pull.
3 - what kind of schedule do they tend to hold for card increases - one every six months? One per year? Or is it ask anytime since it's a HP?
Thanks in advance for any wisdom and experience you can offer. FWIW I have no prior relationship with them, my F8 and F9 scores in my sig are up to date, aggregate UTI is under 5%, and the F9 EQ pull they referenced in my documents showed a score of 772 on their pull.
