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PENFED CLI Denial Overturned..

ladym2011
Valued Contributor

PENFED CLI Denial Overturned..

Requested an increase on my Platinum Rewards SIg on 5/11 and they turned it down so quick lmaooo..Like did you even think about it Smiley LOL 

 

Reason stated: MUST ESTABLISH 12 MONTH SATISFACTORY REPAYMENT HISTORY BEFORE ADDITIONAL UNSECURED CREDIT CAN BE CONSIDERED

 

Well sheesh my EQ is 40+ higher from when I opened it. Give a sista some love! Lol!!

 

 

So when I got my denial letter I typed up a little reconsideration letter and emailed it to them on 5/12. Rec'd my congratulations email on 5/15.

 

 

SL $11,500 to new limit of $15,000. I'll take a 3500 increase over a pointless inquiry any day. Back to the garden I go!

Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

Message 1 of 15
14 REPLIES 14
CreditCuriosity
Moderator

Re: PENFED CLI Denial Overturned..

Very nice recon of the CLI..  Will be hitting them up at the year mark to hopefully get mine to 20k.

Message 2 of 15
ladym2011
Valued Contributor

Re: PENFED CLI Denial Overturned..

Thank you!!!!!

 

I'll probably reach out again at the year mark in Nov. I'll be fine wtih it being at the $20K mark. 

Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

Message 3 of 15
Musiclover
Super Contributor

Re: PENFED CLI Denial Overturned..

Congratulations! Well done!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 4 of 15
weedeb
Valued Contributor

Re: PENFED CLI Denial Overturned..

Congrats to you!!!Smiley Happy

Message 5 of 15
RonM21
Valued Contributor

Re: PENFED CLI Denial Overturned..

Congrats on that recon success.
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 6 of 15
Loquat
Moderator

Re: PENFED CLI Denial Overturned..

Congrats on the recon'd increase!

Message 7 of 15
TA8088
Valued Contributor

Re: PENFED CLI Denial Overturned..

Nicely done ladym! Congrats!

Message 8 of 15
palmdale
Frequent Contributor

Re: PENFED CLI Denial Overturned..

Congrats!  Enjoy your new limit!  

EQ Fico 8 - 807
TU Fico 8 - 804
EX Fico 8 - 781
As of 09/03/17
Message 9 of 15
CountryLivin
Valued Contributor

Re: PENFED CLI Denial Overturned..

Congratulations!

Message 10 of 15
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