Hey guys, under advisement of some of our wise members 
, I figured I'd solicit as much input on Penfed as possible since I'm pretty unfamiliar with them.
I got my Signature Rewards Visa with them back in May or June with a $5k CL, they gave me an approval for a $35k auto loan as well, but I ended up getting a better rate at DCU so I cancelled the auto loan. I didn't app for a CLI on the CC cuz I honestly didn't know they were so generous with CLIs within the first 90 days
So, 2 days ago I submitted an app for a CLI and took the HP since this is one of my lowest CLs and I did a mini app spree that day 
I got the refer to loan officer response, got a call that night to do my fraud alert verification, and was told my app would go to a credit analyst. My app still says pending online.
I've been reading a lot of threads here about Penfed and the PLOCs and folks having luck with apping for more than one card under that 90 day period since it won't cause another HP. I'm wondering if I should try something like that after I see what they give me on the CLI? I want to go for whatever is going to give me the best CL, since I don't want my AAoA to take a hit unless it's going to help my utilization. I know Penfed has their own foreign language, so anyone who is fluent in that tongue, please help me out!
My scores are around 725-740 across the board, income 6 figures, util around 15%. I really haven't used Penfed card for anything beside BT promos since I got it, but I pay more than the minimum every month. Let me know what else would be helpful info to know. I don't really log into Penfed a lot aside from my phone to make a payment, so I don't know if I've gotten any offers for anything from them, but I don't think I have.
Thanks, all!
Double check your Offers tab and make sure you don't have any preapprovals. They pop up quarterly! If you don't already have them definitely app PLOC if approved for cli on cc. You should hear from loan officer sometime tomorrow. Good luck to you!
@baller4life wrote:
Double check your Offers tab and make sure you don't have any preapprovals. They pop up quarterly! If you don't already have them definitely app PLOC if approved for cli on cc. You should hear from loan officer sometime tomorrow. Good luck to you!
All I see is a little box that says "other offers" and it has a TurboTax coupon, car loan, Penfed Defender, and Promise Visa. Does that mean those are preapprovals or just "invitations to apply" sorta deal?
So Penfed came back to me bumping my CL to $7,500. Not exactly the wonderous CL I was hoping for, but it's better than a denial or a "pyramiding debt" response
Is it worth me apping for another CLI within the next ~85 days? What about the PLOC?
Yeah I pretty much have baller4life's info saved for any questions that I might have about Penfed. She's great!
Must garden until 2/1/2022 to hit my goal AAOA. 
@SecretAzure wrote:Yeah I pretty much have baller4life's info saved for any questions that I might have about Penfed. She's great!
No question about that!
Awww you guys make me blush!!