Penfed NexGen updated on 5/30- will it be a SP CLI?

[jkry]

Are the NexGen updated scores good for 90 days; the same as when a person applies for an account?   I was given a "survey" approval at the time of application for my Platinum Rewards Visa.   Score has increased since then, currently at 672.   I only want the increase to give more buffer on utilization.  I balance transfered and currently have 3200 on a 5000 CL.  Thanks for the advice!

[mitchblue]

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@jkry wrote:

Are the NexGen updated scores good for 90 days; the same as when a person applies for an account?   I was given a "survey" approval at the time of application for my Platinum Rewards Visa.   Score has increased since then, currently at 672.   I only want the increase to give more buffer on utilization.  I balance transfered and currently have 3200 on a 5000 CL.  Thanks for the advice!

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I think it's from the account only, so 90 days since they did a HP. Also, and I might be wrong, but a CLI when using over 60% of your card might be looked at kindly. That's just a guess. I have nothing to back that up.

[Anonymous]

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@jkry wrote:

Are the NexGen updated scores good for 90 days; the same as when a person applies for an account?   I was given a "survey" approval at the time of application for my Platinum Rewards Visa.   Score has increased since then, currently at 672.   I only want the increase to give more buffer on utilization.  I balance transfered and currently have 3200 on a 5000 CL.  Thanks for the advice!

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I believe NextGen scores are good for anything you apply for for the 90-day period following their pulling, so from 5/30 to the end of August. Personally, I'm going to wait, having just got my Power Cash Rewards last weekend, for the next quarterly pull to see if I get a preapproved CLI in "My Offers".

[Anonymous]

If you had pre-approved offers with the score update, they are pretty much guaranteed approvals for new products or CLIs.
If you didn't get a pre-approval, it will most likely be a HP for something you apply for