4th PenFed Card.

[Anonymous]

Congrats on the new card and maxing your exposure with PenFed, but to be honest, it still blows my mind seeing "$39,000 CLI" for a card.

Needless to say, I'm hoping for similar results at some point in the future with them. My PCR opened at $8750 last month, so I'm hoping to blow that particular roof off in the future

[Conceptual23]

Awesome stuff.. Congrats. 

[Hex]

@Anonymous 

Yeah the $39K is still amazing to me too. I have a theory on why that might have happened. It happened a few weeks into that government shutdown. I think they were looking to lend to people who worked for the private sector. It's still the only reason that makes  sense to me. Still is and probably will always be my highest limit card. 

[Anonymous]

Congratulations. What are your stats? Income and do you own real estate?

[Hex]

No real estate 

Income $165K

EQ FICO 8 is 716

EQ FICO 9 (what PenFed uses) 775

They are also my primary FI. $20K in checking, $600 in savings and almost paid off new car loan. 

[AverageJoesCredit]

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@Hex wrote:

No real estate 

Income $165K

EQ FICO 8 is 716

EQ FICO 9 (what PenFed uses) 775

They are also my primary FI. $20K in checking, $600 in savings and almost paid off new car loan. 

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Nice job on the 4 cards M8 id definetly say $165k helped 

[Hex]

@AverageJoesCredit 

Thanks Joe. I'm sure it's probably 90% of the reason. 

I don't think 4 cards is the limit. It is for me because I'm at max but I'm sure we'll see someone get more. 

[AverageJoesCredit]

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@Hex wrote:

@AverageJoesCredit 

Thanks Joe. I'm sure it's probably 90% of the reason. 

I don't think 4 cards is the limit. It is for me because I'm at max but I'm sure we'll see someone get more. 

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lol, i think PF should up their max since they make alot off their customers. Hitting everyone with high apr helps. You know we are in apocalypse  when they start playing nice with me

[raisemysc0re]

I just got approved for the PCR card from PenFed for 25K at 14.99% and someone here on the forum stated that 25K was the max.

Did they mean 25K is the SL max or the max PenFed would allow on the card?

My Stats:

Own my own home

PenFed HELOC (LTV 60% UTI at 30%)I've been making double payments for a year in hoping to get this card.

100K

Fico8 scores 812/794/798

Fico9 EX 831

[Hex]

@AverageJoesCredit 

What happened with you and PenFed? I've seen a few posts where you seemed like you might have made up with them but I was afraid to ask. Did I miss any posts from you about PenFed? Did they finally come to their senses about you? Last thing I knew you had quit them forever. Do tell....