@Anonymous wrote:
Does PenFed do recon’s on CLI Request ? I Applied for membership and the Cash rewards card back in September. Instant approval 10K SL. Been using the card a lot , putting a lot of spend on the card. Figured would go for a CLI so my UTI stays some what low. since putting like 3-4K a month on the card. Applied online then got email that said my eq was frozen called in , unfroze eq they said it would be a HP, ended up getting denied, they said because to many new accounts and length of time accounts have been established. When I asked they said they wanted to see any new accounts i had with at least 6month good payment history. I said do you mean with PenFed their like well yes us and the new accounts. New accounts past 12 months is 9, new accounts since opening PenFed account is 4 new accounts, Oldest account is 3 months. 5INQ at time now 6, 769 EQ , high salary.
Has anyone been able to recon a CLI with them and is the HP good for 90 days?
Thanks
Applied for NFCU membership today on the phone waiting to hear back if approved or not. If i am going to go for the flagship card.
IMHO PenFed and NFCU are going to want to see a min of 6mo from last account opening. Maybe 1yr due to number of new accounts and INQ in the last 12mo, regardless of income. What's your AAoA?
Others will be chiming in I'm sure.
Good Luck!
