@Meanmchine so they were still allowing limits over $25K in June. Man I am always late to the party smh.
@FinStar if its a soft pull nothing really preventing it. Would rather have a CLI instead of new card for the no new account advantage. But probably best to go ahead and pull the trigger. Everyone is probably off until next week though lol.
@CerebralZulu wrote:I finally looked at the Penfed offers and I have an offer for the Promise card. However when I look at the cards offered on the website, the Promise isn't there. Can anyone tell me about this card? Also, has anyone other than @Aim_High had luck getting their cards over $25K?
@CerebralZulu, there have been quite a few with single credit lines over $25K with PenFed. I'm not alone but apparently one of the last ones. I know there were some (like @FinStar) who were grandfathered in and did it before the new $25K cap took place. And I know of several others on My Fico who had the same issue that I did and were able to appeal this year to have their credit line exceed $25K after PenFed erroneously offered it.
Here are three recent threads with approvals over $25K. I think there were others.
@PullingMeSoftly, @Anonymous, @RicHowe
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-PCR-CLI-24-200-Confirmed/m-p/6152312
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-Max-Achievement-Unlocked/m-p/6161111
@CerebralZulu wrote:@Meanmchine so they were still allowing limits over $25K in June. Man I am always late to the party smh.
@CerebralZulu, here is the link to my confusing approval thread back in June. (They approved it but it took me months of coordination to try to make them add it to my account. Read the full story at the link. Go to Page #4, message #36 in thread for my update on approval issues.)
By the way, several others have been approved since then, so there may still be hope.
@Anonymous wrote:Why would they approve it and not let it reflect on your account? Mines just happened today so I'll wait and see what happens on Saturday. It took 2-3 days for the hard pull credit limit increase to reflect on my account last month.
@Anonymous, I said the same thing! The link above explains it in more detail. Basically, there was a change in policy where the old system (that lets you exceed $25K) was making promises that the new system (that limits each account to $25K) won't implement. I was offered the increase but it didn't show up on my account for months. After many phone calls and elevating to not only Customer Service Supervisors but also Customer Service Managers, I was able to make them see they needed to do the right thing and implement it. But I had to push them. I hope yours goes smoothly but if it doesn't, and they promised it to you, make some noise until they fix it!
@FinStar wrote:
@CerebralZulu wrote:@FinStar if its a soft pull nothing really preventing it. Would rather have a CLI instead of new card for the no new account advantage. But probably best to go ahead and pull the trigger. Everyone is probably off until next week though lol.
Go for it @CerebralZulu. If it's auto-approved then it's a done deal. Worse case scenario it'll land in their pending queue, but you can reach out to them on Monday to finalize it.
It still let me request it as a CLI. Fingers crossed.
@Anonymous wrote:Why would they approve it and not let it reflect on your account? Mines just happened today so I'll wait and see what happens on Saturday. It took 2-3 days for the hard pull credit limit increase to reflect on my account last month.
My attempt is today as well so we both are in the Penfed row boat paddling upstream :-).