PenFed Hard Pull?

[Dalmus]

Hi All,

On Friday I applied for (and was approved for) an auto loan through PenFed.  After I applied, I went ahead and became a member (thanks, Navy League!).  They did a hard pull for the auto loan.  Is that same hard pull good if I want to apply for a credit card, too, or will they pull again?  I wouldn't mind the Platinum Rewards for the gas...

[Gmood1]

They normally use the same pull up to 60/90 days. You should be good to go!

[Dalmus]

Okay, thanks!

So worst thing that could happen is a denial with no additional inquiry.   Kind've a nobrainer then, hey?

[Gmood1]

Exactly! Had one of my brothers do the same. He got his auto loan and a $15k CC the same day.

[Dalmus]

Been reading through the massive PeFed thread, and it looks like I may or may not be approved for a credit card...  I have quite a bit of available credit (about $140K), and they seem to not like that recently.

Being denied now won't necessarily hurt my chances with preapprovals in the future, will it?

The silly thing is, if I were to get a decent CL with the Signature card, it would let me close out one or two other cards.

So torn!

[Gmood1]

No, it will not hurt your chances in the future. They may surprise you!😁

I'm the poster boy for pyramiding debt.😂

They've offered me credit without me asking. You are no different than I.😉

I've been denied by them in the past. It hasn't slowed me down as far as I can tell.

[Cookiegrabber]

I don't think I'll get anything with my superthin credit file, but PenFed HP'd me for membership last week so whatever!

Promise Visa denial, here I come! lol.

[Anonymous]

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@Dalmus wrote:

Been reading through the massive PeFed thread, and it looks like I may or may not be approved for a credit card...  I have quite a bit of available credit (about $140K), and they seem to not like that recently.

Being denied now won't necessarily hurt my chances with preapprovals in the future, will it?

The silly thing is, if I were to get a decent CL with the Signature card, it would let me close out one or two other cards.

So torn!

---

I've been on the fence too. Not sure what a decent CL is to you but they implemeted a $10k CC max for members for their first six months. 

[Hex]

If you are approved for a new credit card product and want to try a CLI on a different account -if you apply online will they use the original inquirey or do you need to call in to request the CLI to be safe? Im within 30 days of a new approval.

[Anonymous]

OP, PenFed will use the same HP.  I would go for it!

You can use the same HP for a CLI on another card.

2 months ago, i was approved for the Pathfinder on the phone (HP), i asked her to use the same HP to increase my Visa Platinum (approved) and my AMEX (approved).