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Maximizing aggregate credit - PenFed offer: Approved

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expatCanuck
Super Contributor

Maximizing aggregate credit - PenFed offer: Approved

Hmmm. Notwithstanding the preauthorization, the text indicates that it's a hard pull.

Will have to cogitate. An additional 17K would be nice, but I'm already just shy of 225 aggregate.

Hmmmm.

ETA - And, btw, what the FICO is up with these $700 increments? (17.7K offer; my CFU is 16.7K, Disco at 19.7K -- it's so much easier to calculate util if the CL is divisible by 1K. Or 2K. Or 5K. Or 10K (my particular favorite).

ETA2 - Succumbed. PCR up to 27.7. Unless subject to a 25K cap. Still, beats a kick in the head. Gonna feed the dog now. The other half of last night's chicken thigh. At 99¢/lb., cheaper than good dog food.

2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 1 of 9
8 REPLIES 8
SouthJamaica
Mega Contributor

Re: Maximizing aggregate credit - PenFed offer


@expatCanuck wrote:

Hmmm.  Notwithstanding the preauthorization, the text indicates that it's a hard pull.

 

Will have to cogitate.  An additional 17K would be nice, but I'm already just shy of 225 aggregate. 

 

Hmmmm.

 

ETA - And, btw, what the FICO is up with these $700 increments?  (17.7K offer; my CFU is 16.7K, Disco at 19.7K -- it's so much easier to calculate util if the CL is divisible by 1K.  Or 2K.  Or 5K. Or 10K (my particular favorite).


Everything is a hard pull with them.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 2 of 9
UH_HUH
Valued Contributor

Re: Maximizing aggregate credit - PenFed offer

Beats the heck outta a chicken thigh in a dog bowl too!

Congratulations,enjoy your success

Cheers

Message 3 of 9
AverageJoesCredit
Legendary Contributor

Re: Maximizing aggregate credit - PenFed offer

Congrats ExPatSmiley Happy. Might be the most technical sounding approval of the yearSmiley Wink
Message 4 of 9
BronzeTrader
Valued Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats.

Message 5 of 9
HighAchiever
Established Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congratulations!!!  Smiley Happy

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 6 of 9
Anonymous
Not applicable

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats.    @expatCanuck 

Message 7 of 9
calyx
Super Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats!

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 8 of 9
Meanmchine
Super Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats Expat!

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 9 of 9
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