PenFed CLI

[ccquest]

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@SouthJamaica wrote:

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@Ms6Footer wrote:

I was on the phone w them to discuss a payment and I asked about a CLI.  I asked are they hard/soft inquiry and she said they are hard.  I also asked do they ever do reviews for automatic increase because I've never gotten one. She said the limit will stay the same unless o request an increase.  That sucks. 

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Both of those answers are typical of the large majority of credit unions, in my experience.

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I thought PenFed used to add an option as an "Offer" for some people? I haven't seen it mentioned recently, but that's kinda what I was holding out for on my own account instead of a HP.

[coreyb80]

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@ccquest wrote:

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@SouthJamaica wrote:

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@Ms6Footer wrote:

I was on the phone w them to discuss a payment and I asked about a CLI.  I asked are they hard/soft inquiry and she said they are hard.  I also asked do they ever do reviews for automatic increase because I've never gotten one. She said the limit will stay the same unless o request an increase.  That sucks. 

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Both of those answers are typical of the large majority of credit unions, in my experience.

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I thought PenFed used to add an option as an "Offer" for some people? I haven't seen it mentioned recently, but that's kinda what I was holding out for on my own account instead of a HP.

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It still does happen.  

[Ibike]

This is true. I recently opened a PF checking and savings account.  Through this process is a verification of identity which includes a SP on credit. Immediately after account opening I applied for the Gold Visa and was approved immediately and NO HP on credit. Guess this one is a freebe :-)

[Anonymous]

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@Ibike wrote:

This is true. I recently opened a PF checking and savings account.  Through this process is a verification of identity which includes a SP on credit. Immediately after account opening I applied for the Gold Visa and was approved immediately and NO HP on credit. Guess this one is a freebe :-)

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really? Lucky you I think I got dinged EQ, right after getting checking apped for PCR 

[OmarGB9]

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@Ibike wrote:

This is true. I recently opened a PF checking and savings account.  Through this process is a verification of identity which includes a SP on credit. Immediately after account opening I applied for the Gold Visa and was approved immediately and NO HP on credit. Guess this one is a freebe :-)

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Did you get an HP maybe a day or two later? Sometimes the HPs are delayed. 

[coldfusion]

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@OmarGB9 wrote:

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@Ibike wrote:

This is true. I recently opened a PF checking and savings account.  Through this process is a verification of identity which includes a SP on credit. Immediately after account opening I applied for the Gold Visa and was approved immediately and NO HP on credit. Guess this one is a freebe :-)

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Did you get an HP maybe a day or two later? Sometimes the HPs are delayed. 

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IMEit isn't that the HPs are delayed, it's that the monitoring services don't always immediately alert on a Transunion or Equifax inquiry,  more than once not until the next day.   I've never had an Experian HP that didn't trigger an alert within a couple of seconds.