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I was approved for Penfed Power Cash rewards at $5500 early August. I have been reading the forums for a good year before i realized you can be part of the forum without paying membership. I have read numerous times that a HP is good for 90 days, so figured I'd wait until i made a payment first before requesting. I paid my last statement balance (more than) in full, it just cleared so i called them up. I called today to ask for a CLI without having my credit pulled and was told NO. Should i call again? apply online? What method do you all use for multiple products and CLI using the same pull for 90 days? I don't want a 2nd Penfed just an even $10k (or so) on my PCR. Sorry if this has been answered, i tried searching and only find references of same pull being used within 90 days.
Thanks to you all, without the forum I would not even have a Penfed or an NFCU.
The 90 day rule was replaced about a year ago with a 30 rule. There have been quite a few people who still get approvals with the old 90 day rule. It seems to be hit or miss. You can always call back and ask another CSR