Just want to provide another update..... Yesterday I decided to give penfed a call to combine the Platinum and Promise. I really didnt need so many cards so decided why not. I was still within the 90 days so I asked if once they are combined, I can request a cli. Rep told me she can put the request right now so she did... The promise was increased to 13k!!! She later combined the 2 cards and was sitting at a total of 18K! Matched my NFCU card in not even 90 days!!! Anyway, I kept talking to the rep as she processed everything and I rememered I was denied for the LOC. I decieded to give it a go and she puts me on hold..... Comes back and says if I lower my new 18k limit to 15k, They will give me the LOC for 3k..... YES!!
Nice job on your progress. Sounds like you're treating them well too. Keep it up. I got in with $5000 over 90 days ago. I have a BT I'm carrying but I'm hopeful I'll get some love myself as I keep paying that down.
Just want to share my success!
I became a member of penfed back in July 2016. I app'd for the promise visa and it denied, recon'd and decision stayed. My nextgen was about 633 if im not mistaken at the time. Yesterday, I decided what the heck and apply again. I called and I first app'd for the platinum cash rewards and it was sent to a LO. The rep put me on hold and came back with an approval for a $1,500. Sad but Im in the door. Then I decided to app for a used auto refi with the same hard pull. Put me on hold again and came back with another approval at 3.45% for 60 months! He suggested the LOC but that was unfountely denied. I tried to recon the limit on the card since I have a NFCU card at $18,000 and the denial on the LOC but no luck on both. Did the survey, got a call and no luck. I got the denial message today and my current nextgen is 693.
It took me a few tries also, i got a small SL also. After survey i ended getting a second card, a Gold card, with a limit of 20% of the 1st one. Weird i know. now between the two, limits around 10k now after just 6 months. along with a checking savings and an overdraft loan thingie.