4th PenFed Card.

[Hex]

@raisemysc0re 

Congratulations on your approval that's a great card and a great limit. As far as I know $50K in total across all credit cards is the maximum at PenFed and it's been like that for a number of years. Recently other people report being told that there is an additional $25K per card maximum. Some people have individual card limits higher than that from before they estabished this new policy. 

[raisemysc0re]

@Hex 

That is what confused me. You stated that:

In January of 2019 I went for a CLI on my first card and they gave me a $39K increase- I was stunned and thrilled but I realized it wouldn't be a Signature Card.

How can there now be a 25K limit on any one card but you got a CLI well above that limit at 39K? 

[Hex]

@raisemysc0re 

That's because the $25K per card policy was estabished after I got the card with the $39K limit. Actually they were going to increase my first card from $2K to $41K but I got them to just give me a new $39K card instead because I didn't want to have a $41K platinum card ( they don't upgrade the card version after the account is opened even if your credit limit goes up). I'm not exactly sure when they started the $25K per card limit but I think it was about a year after I got the $39K card. Someone else might know when the policy changed. If I had to guess I'd say last January (January 2020). 

[Hex]

@raisemysc0re 

It looks like I'm grandfathered in with the higher limit. I'm not the only one. 
I wouldn't be very surprised if they changed it back to the way it was again in the future. 

[raisemysc0re]

OK, that makes sense.

I'm more than fine with 25K on this card anyways but I like to know all the data points for all the companies I affiliated with.

Thanks for clarifying

[randomguy1]

Congrats on your 4th card!

[Hex]

No problem. Most of us here want as much data as possible. That's how I knew when they gave me that monster increase I should ask for a new card. If i

hadn't already been collecting data I'd have just taken the increase and I'd be stuck with a $41K limit Platinum Card. I'd still be ticked.