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PENFED CLI

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Jnbmom
Credit Mentor

PENFED CLI

I have hit the 6month mark with Penfed and thought I would try for a CLI, I filled in the form and it went to loan officer review which I am used to, however when I went to check the application today the status states this?

PenFed Gold Visa WITHDRAWN 09/26/2018

APPLICATION BUILT IN ERROR

 

I never withdrew the application? I sent a message waiting on response.

EXP 780 EQ 796 TU 810
Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: PENFED CLI

I'd call. It's possible they asked for docs, and you didnt respond?
Message 2 of 10
Jnbmom
Credit Mentor

Re: PENFED CLI

Thanks, they never asked for docs though. It just seems strange

EXP 780 EQ 796 TU 810
Message 3 of 10
SBR249
Established Contributor

Re: PENFED CLI

Are your CRs frozen? If PenFed couldn't get access to pull your CRs they might have automatically withdrawn the application. 

Message 4 of 10
Jnbmom
Credit Mentor

Re: PENFED CLI

Nope all open to access.

 

It's the "application built in error" that sounds very odd.

EXP 780 EQ 796 TU 810
Message 5 of 10
SBR249
Established Contributor

Re: PENFED CLI

Maybe it's a glitch on their end. Give them a call and see what's up. As long as they don't HP you twice or something it's probably fixable. 

 

Another option is to just wait for one of their SP offers. Oct is just days away, they started giving me offers around the 6 month mark but YMMV. 

Message 6 of 10
credit_endurance
Valued Contributor

Re: PENFED CLI

In my personal experience it means you have the maximum unsecured credit they will allow you. What’s your total exposure with them?
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 7 of 10
Jnbmom
Credit Mentor

Re: PENFED CLI

20K between 2 cards
EXP 780 EQ 796 TU 810
Message 8 of 10
FinStar
Moderator Emeritus

Re: PENFED CLI

Did you reach out to them to determine what that system message or the issue was?
Message 9 of 10
Jnbmom
Credit Mentor

Re: PENFED CLI


@FinStar wrote:
Did you reach out to them to determine what that system message or the issue was?

Yes I did, apparently I had tried for a CLI end of August, they denied me stating that account was not old enough  and too many inquiries (gulity). The rep stated they withdrew the application since I recently had requested one and unless things changed I didn't need to reapply😕 So although I hit the 6 month mark my inquiries hadn't changed . Sooooo I will just be happy with my 10K line😉

EXP 780 EQ 796 TU 810
Message 10 of 10
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