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Maximizing aggregate credit - PenFed offer: Approved

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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.
Message 1 of 9
8 REPLIES 8
Super 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 639500 (558000 reporting)
Message 2 of 9
Established 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
Community Leader
Mega Contributor

Re: Maximizing aggregate credit - PenFed offer

Congrats ExPatSmiley Happy. Might be the most technical sounding approval of the yearSmiley Wink
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2022
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Message 4 of 9
Valued Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats.

Message 5 of 9
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.”
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Message 6 of 9
Community Leader
Super Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats.    @expatCanuck 






Message 7 of 9
Senior Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats!


EQ: 795 | EX: 785 | TU: 783 | Accounts: 2/6 6/12 10/24
Happy practitioner of AZE6or7or8
Message 8 of 9
Super Contributor

Re: Maximizing aggregate credit - PenFed offer: Approved

Congrats Expat!




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
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And then a step to the right
Put your hands on your hips
You bring your knees in tight
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Message 9 of 9
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