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I have about three years history with both PenFed and Navy. I joined during my BK 13 and started with secure loans at both. I got a secured card with Navy that graduated in 5 months but couldn't grow due to my BK 13 (@ $7.5K ).
September marked a year and a month since discharge, as well as a year since closing on my mortgage and acquiring some cards. Late September all my inquiries fell off so I applied for and was approved for the Platinum $25K @5.99( highest limit by far). EQ9 @709. I immediately transferred some balances on some cards and let my scores increase. Then got the following CLIs:
Disco #2 $5K to 6K
USB Cash $3K to 6K
DUCKS $7.5K to 9.5K
FNBO. $9K to 11K
Apple $4.5K to 5.5K
In the process I knocked down some Penfed balances (about $7.5K on 2 cards, car loan and a PLOC). I let Navy report and applied for the Pendfed Gold. Approved for $25K @ 7.49 (very suprised). No POI required ( income reported $88K). I question whether my Navy approval guided that decision.
At this point I was more than satisfied, but my inner MF knowledge said try for a CLI on my PenFed Promise. Not asking seemed like and opportunity missed. I waited about a week called and asked could they use the same hard pull. I got transferred to an analyst and while chewing on something he assessed it was likely not going to happen as he noted my prior approval. Bye "A----"! Called back later that evening and a rather "gruff" lady also noted " you just got approved for $25K" but, she submitted the app anyways. I really expected to be declined. So happens, I got the survey en my email. I shared my problems uploading information but otherwise I was pleased with my relationship. The last part of the survey asked about anything else. LoL! I related that while chewing on his food "A---" didn't even consider my app for a CLI. About 4 days later I received an email that my CL had doubled from $7.5K to 15K. I was kinda stunned. And finally (sorry for being long winded). The CLI didn't register for a few days, so I called to verify if it was really approved. And who takes my call, "A---". Because my name is unique he definitely knows this is the approval he said wasn't going to happen.
I hope this helps others in their journeys to rebuild. Clearly, it was the sharing of information and advice by others that made this happen.
Congratulations on your Approval..
Congrats on the approvals and the CLIs, very nice work!
Congratulations on your approvals and CLIs!
Gotta love Penfed
Congrats !
Thanks!
Congrats!
Grats to all your success
Congrats