Penfed CLI Rules

[1GaDawg85]

I am curious what their SP CLI look like. I imagine when I am able to pay down my UTIL, that might encourage them to open up the purse strings for me

[Loquat]

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@1GaDawg85 wrote:

I am curious what their SP CLI look like. I imagine when I am able to pay down my UTIL, that might encourage them to open up the purse strings for me

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I've had offers a couple of times.  Mine were $5k increase on Platinum Rewards and I regularly get the auto/boat loan offers. 

[Hut1]

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@Loquat wrote:

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@1GaDawg85 wrote:

I am curious what their SP CLI look like. I imagine when I am able to pay down my UTIL, that might encourage them to open up the purse strings for me

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I've had offers a couple of times.  Mine were $5k increase on Platinum Rewards and I regularly get the auto/boat loan offers. 

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I haven't gotten any offers yet, but I think once my late payments drop off the end of next year, my score is going to shoot up 50 pts. Maybe that will entice them. Lol. 

[newmomnewme]

@Loquat I don't think I've been with them for a full quarter just yet. But I always have a turbo tax offer 😂😂

I'll update this post of see anything née OP. Good luck!

[1GaDawg85]

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@newmomnewme wrote:

@Loquat I don't think I've been with them for a full quarter just yet. But I always have a turbo tax offer 😂😂

I'll update this post of see anything née OP. Good luck!

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i love the turbo tax offer :eyeroll:

[RickNATL]

I ended up waiting for the infamous "offers" and got a $14K offer and added it as a CLI to my existing Penfed card instead of a new card. As far as an independent CLI request, I didn't do it cause I thought it came with an HP. Good luck... YMMV

[Anonymous]

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@Hut1 wrote:

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@Loquat wrote:

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@1GaDawg85 wrote:

I am curious what their SP CLI look like. I imagine when I am able to pay down my UTIL, that might encourage them to open up the purse strings for me

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I've had offers a couple of times.  Mine were $5k increase on Platinum Rewards and I regularly get the auto/boat loan offers. 

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I haven't gotten any offers yet, but I think once my late payments drop off the end of next year, my score is going to shoot up 50 pts. Maybe that will entice them. Lol. 

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How late payment is gonna be dropped off? Has creditor agreed to remove it? Or you did everything by your own...efforts?

[Hut1]

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@Anonymous wrote:

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@Hut1 wrote:

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@Loquat wrote:

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@1GaDawg85 wrote:

I am curious what their SP CLI look like. I imagine when I am able to pay down my UTIL, that might encourage them to open up the purse strings for me

---

I've had offers a couple of times.  Mine were $5k increase on Platinum Rewards and I regularly get the auto/boat loan offers. 

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I haven't gotten any offers yet, but I think once my late payments drop off the end of next year, my score is going to shoot up 50 pts. Maybe that will entice them. Lol. 

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How late payment is gonna be dropped off? Has creditor agreed to remove it? Or you did everything by your own...efforts?

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By law, missed/late payments can only stay on your credit report for 7 years from the date of delinquency (date of missed payment). My 7 yrs is coming up in 2021. 😬

[CerebralZulu]

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@RickNATL wrote:

I ended up waiting for the infamous "offers" and got a $14K offer and added it as a CLI to my existing Penfed card instead of a new card. As far as an independent CLI request, I didn't do it cause I thought it came with an HP. Good luck... YMMV

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In the Atl huh? Nice. Did your $14K offer take you over the $25K ceiling?