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Card Successful CLI & Penfed Gold App

Regular Contributor

Card Successful CLI & Penfed Gold App

Just chatted with GS and requested a CLI on my Card with success, another 1K increase.  Slow and steady.  I started at $4,500 in August when the card was invite only.  So far, I've gotten 3 successful CLIs, all 1K each.  Appears 90 days is the sweet spot, but I can't say for sure how many in a row they will continue to approve?  My TU scores have improved quite a bit though.


Also, I did a CLI request on my Penfed Power Cash Rewards.  Nada!  So, I used the HP to apply for the Gold card since I've read some have been turned down for CLI but approved for a new card.  Not instant, but I did get a message to send them last two paycheck stubs, and the message says premilinary approval or something like that.  So, we'll see.  I'm hoping for 15K or so as I have a 3K balance transfer I'd like to do. But my PCR card is 10K, so that may not happen.  We'll see!


I HAVE to slow my jets on new credit.  I take good care of it, but I feel like continuing to apply for a couple cards every 6 months is a bad habit?

BBVA Clearpoints $16,000 | Discover $6,400 | CECU Visa $4,000 | NFCU Go Rewards Visa Sig. $15,500 | NFCU CLOC $15,000 | PayPal CB MC $10,000 | Paypal Credit $10,000 | Card $7,500 | AMX Hilton Honors Ascend $1,000 | Wayfair $23,900 | Sportsmans Guide Visa $9,900 | Kohls $3,000 | Capital One Savor One $3,500 | PNC Cash Rewards $12,000 | PenFed Power Cash Rewards $10,000 | PenFed Gold $10,000 | Lowe's $7,000 | Best Buy Visa $4,000 | Home Depot $4,000
Message 1 of 11

Re: Card Successful CLI & Penfed Gold App

Grats on the Applew CLI and good luck on the Gold Smiley Happy


If you cn successfully keep track of a number of cards without a problem apping for a few every 6 mos isnt a problem

Message 2 of 11
Super Contributor

Re: Card Successful CLI & Penfed Gold App

Congratulations on your approval and CLI!
Message 3 of 11
Frequent Contributor

Re: Card Successful CLI & Penfed Gold App

Congratulations 🎊 🎉 🎈 🍾 

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)
Message 4 of 11
Super Contributor

Re: Card Successful CLI & Penfed Gold App

But a 12 month cycle allows you to regain more points so you get better terms.
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 5 of 11
Super Contributor

Re: Card Successful CLI & Penfed Gold App

Congrats !

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 11
Epic Contributor

Re: Card Successful CLI & Penfed Gold App

Message 7 of 11
Senior Contributor

Re: Card Successful CLI & Penfed Gold App

Congratulations on your Apple Card CLI! Good luck on your PenFed app!

Current Cards (in order of approval):

Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:

Currently: 2/6, 2/12, 5/24
Message 8 of 11
Valued Contributor

Re: Card Successful CLI & Penfed Gold App


BOOM.  Congrats on the approval and the CLI.


As for app frequency - you *might* want to push that to a couple of cards per YEAR.  There are some datapoints saying you should wait a year to reduce the "new account smell" on your credit report, then app for whatever you plan to app for, then hold off for another year.  But even with that, there's a point you might just want to say "I have enough, I can tend to what I have" and just garden for a while.  I would argue that an HP every now and then for a CLI, while not gardening by this forum's standard, would be preferable to apping for new cards every year... unless you have the revenue and assets of someone like Raj. 



Message 9 of 11
Valued Contributor

Re: Card Successful CLI & Penfed Gold App

👍 Congrats on the CLI and good luck to for the SL from PenFed!

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||

Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 10 of 11
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