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Starting Score: 640Everything I have read says their cc max is $50k. If you want a 2nd card they'll reduce your current card to accomodate....unless you want to product change...can't remember off hand how they handle that though.
I heard when you ask Penfed for a porduct change all they do is close your old account and open the new one you want to product change to...That kinda takes the point out of it....




































Starting Score: 640



































Yes but no...with PenFed they will close your old account & start a new account....others, like cap1, simple change your card but not the account age.
@stonedog23 wrote:
I don’t get it, isn’t that what a product change is?







































































