It is my understanding that PenFed uses the same HP for 90 days. You can apply for other products in that time period without an additional pull. If that is a concern to you I would advise calling and making sure the app for a new card won't result in an additional hard pull.
|Total Credit: $240,100||Credit Utilization: 1%||AAoA: 5 years, 7 months||Installments: Car Lease, Marcus Loan||Negatives: 0|
I wish folks would put a disclaimer in their message when speaking of PenFed and them using the same HP if within a specific amount of time. I can tell you from experience that it isn't always true. Yes, a good majority of the people can slide through without an additional pull but that isn't always the case and it provides false hope to those who read such.
I've been told on more than one occasion that if at the time, regardless of timing since last HP (even same day which I think is crazy but their money, their rules) you request credit it is their right to pull credit (I know we all know this but I'm mentioning it again because this is a very frequent conversation on this here forum). I was further informed that if your request strattles the fence of approval or denial, an underwriter can pull about bureau at their descretion.
Most things regarding credit is YMMV. I treat every application or request for increase from a lender the same way I do NFCU; expect an HP to happen and be thankful if it doesn't.