@SouthJamaica wrote:
@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.
Both of those answers are typical of the large majority of credit unions, in my experience.
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.
@ccquest wrote:
@SouthJamaica wrote:
@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.
Both of those answers are typical of the large majority of credit unions, in my experience.
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.
It still does happen.
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 :-)
@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 :-)
really? Lucky you I think I got dinged EQ, right after getting checking apped for PCR
@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 :-)
Did you get an HP maybe a day or two later? Sometimes the HPs are delayed.
@OmarGB9 wrote:
@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 :-)
Did you get an HP maybe a day or two later? Sometimes the HPs are delayed.
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.