PenFed - CLIs

[credit8502020]

Hi All! 

I have a PenFed Credit Card and would like to hear your experiences regarding CLIs on PenFed CCs. I have read that it will be a hard pull.  I know NFCU's system is very well known and specific, but I would like to know if anyone knows PenFed's "system" that helps ensure the highest credit limit increase possible.

Thank you! 

[FinStar]

There isn't anything specific for PenFed's "system" that would yield the highest CLI unlike NFCU -- it's like comparing apples to oranges. For PenFed, it's profile dependent on the amount of the CLI you can be approved. It's not limited to $8K as it is currently with NFCU.

[credit8502020]

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@FinStar wrote:

There isn't anything specific for PenFed's "system" that would yield the highest CLI unlike NFCU -- it's like comparing apples to oranges. For PenFed, it's profile dependent on the amount of the CLI you can be approved. It's not limited to $8K as it is currently with NFCU.

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@FinStar Ok. Thank you! 

[bilwilvegas]

I started with a very low limit, $1,500, but I put a ton of spend on the card every month.  I paid every day as charges were processed and was able to spend $6,000 a month or more each month.  Once I passed the 6 month anniversary of the card being issued I requested a CLI and they instantly approved me to $25,000.  My scores were in the high 700s to low 800s.  

[credit8502020]

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@bilwilvegas wrote:

I started with a very low limit, $1,500, but I put a ton of spend on the card every month.  I paid every day as charges were processed and was able to spend $6,000 a month or more each month.  Once I passed the 6 month anniversary of the card being issued I requested a CLI and they instantly approved me to $25,000.  My scores were in the high 700s to low 800s.  

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@bilwilvegas Thank you for sharing your experience. 

[coldfusion]

My own experience is a bit dated but about a year after I picked up my PCR I got a quarterly offer for my choice of cards with an $11.5K SL; I selected a PCR and as per their standard practice instead of issuing me a 2nd PCR the $11.5K was applied as a SP CLI to my existing card.

[Anonymous]

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@bilwilvegas wrote:

I started with a very low limit, $1,500, but I put a ton of spend on the card every month.  I paid every day as charges were processed and was able to spend $6,000 a month or more each month.  Once I passed the 6 month anniversary of the card being issued I requested a CLI and they instantly approved me to $25,000.  My scores were in the high 700s to low 800s.  

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Thank you for your post! I was just about to tell PenFed to shove their low-limit offer after they pulled my EQ 804 FICO with ZERO utilization, $66K income, ZERO negs and offered a $1,500 limit. Just days ago, a Barclays JetBlue Plus app gave me $13K on a lesser pull (TU 767). Now that I see they did the same thing to you and how you gamed them to get a good limit, I'll keep the card and do the same. Thanks!