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PenFed Bonanza

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Valued Contributor

PenFed Bonanza

So...I apped for CLI on my Promise (4.5K) and Platinum Rewards (10K) card last night and the Promise Card went thru the stages to "complete" with no action showing nor emails.......still nothing this morning so I called and.....bam-sham-alam.....the unheard of happened...........representative said my new Promise CL was 29.5K.......so I withdrew CLI request on the Platinum Rewards.....she then told me about the Power Cash Visa,  asked if I wanted to try for that  since there would not be another credit pull, so I did and got instant approval for 10.5K........she asked me about my military experience and since I get a VA pension I qualified for the 2% cash back.   I rolled over 5K from my Platinum to the Power Cash Visa for a total CL on that card of 15.5K.  Unbelievable, given the fact that 2 years ago they would not even geve me the time of day!  The Power Cash will definitely become my everyday card with 2% cash back, may even make the DW an AU since she spends lots of money, LOL.   I hate to keep sounding like a broken record or paid contributor on this board but I am forever grateful to this forum for helping to get me on the right track with my credit and finances after a troubling divorce.   Still have a lot to learn, no expert by any means but this forum has transformed my life and future for my family.......;Thankx all

Message 1 of 13
12 REPLIES 12
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Senior Contributor

Re: PenFed Bonanza


@ecxpa wrote:

So...I apped for CLI on my Promise (4.5K) and Platinum Rewards (10K) card last night and the Promise Card went thru the stages to "complete" with no action showing nor emails.......still nothing this morning so I called and.....bam-sham-alam.....the unheard of happened...........representative said my new Promise CL was 29.5K.......so I withdrew CLI request on the Platinum Rewards.....she then told me about the Power Cash Visa,  asked if I wanted to try for that  since there would not be another credit pull, so I did and got instant approval for 10.5K........she asked me about my military experience and since I get a VA pension I qualified for the 2% cash back.   I rolled over 5K from my Platinum to the Power Cash Visa for a total CL on that card of 15.5K.  Unbelievable, given the fact that 2 years ago they would not even geve me the time of day!  The Power Cash will definitely become my everyday card with 2% cash back, may even make the DW an AU since she spends lots of money, LOL.   I hate to keep sounding like a broken record or paid contributor on this board but I am forever grateful to this forum for helping to get me on the right track with my credit and finances after a troubling divorce.   Still have a lot to learn, no expert by any means but this forum has transformed my life and future for my family.......;Thankx all


Bam-sham-Alam. Congrats.

Message 2 of 13
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Valued Contributor

Re: PenFed Bonanza


@donny10 wrote:

@ecxpa wrote:

So...I apped for CLI on my Promise (4.5K) and Platinum Rewards (10K) card last night and the Promise Card went thru the stages to "complete" with no action showing nor emails.......still nothing this morning so I called and.....bam-sham-alam.....the unheard of happened...........representative said my new Promise CL was 29.5K.......so I withdrew CLI request on the Platinum Rewards.....she then told me about the Power Cash Visa,  asked if I wanted to try for that  since there would not be another credit pull, so I did and got instant approval for 10.5K........she asked me about my military experience and since I get a VA pension I qualified for the 2% cash back.   I rolled over 5K from my Platinum to the Power Cash Visa for a total CL on that card of 15.5K.  Unbelievable, given the fact that 2 years ago they would not even geve me the time of day!  The Power Cash will definitely become my everyday card with 2% cash back, may even make the DW an AU since she spends lots of money, LOL.   I hate to keep sounding like a broken record or paid contributor on this board but I am forever grateful to this forum for helping to get me on the right track with my credit and finances after a troubling divorce.   Still have a lot to learn, no expert by any means but this forum has transformed my life and future for my family.......;Thankx all


Bam-sham-Alam. Congrats.


+1...Congrats!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
Message 3 of 13
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Senior Contributor

Re: PenFed Bonanza

That is awesome ,I hope to see that once I have completed my rebuild and gotten some age on my accounts , that's awesome Op
Message 4 of 13
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Valued Contributor

Re: PenFed Bonanza

Congratulations!! Great increase and approval from PenFed. They have been great for me trying to finish out my rebuild
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 5 of 13
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Community Leader
Mega Contributor

Re: PenFed Bonanza

Yours is an amazing story. Going from 4.5 to 29.5 in one cli jump ,with Penfed, we just arent seeing that so much now. On top they offered their new card as well, awesome sauceSmiley Happy Keep doing the dew that you're dueingSmiley Happy
Message 6 of 13
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Regular Contributor

Re: PenFed Bonanza

Grats!! That's a beautiful CLI!
5/27/17 Experian: 679 Equifax: 628 TransUnion: 630
Cap1 QS:600 Credit One: 600 Merrick Bank: 550 Amex: 500 JCrew: 250
Message 7 of 13
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Established Contributor

Re: PenFed Bonanza

Aweseome!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745
Message 8 of 13
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Frequent Contributor

Re: PenFed Bonanza

Congratualations on Penfed trifecta! Gives me hope for future cli on my platinum rewards card ( 10K ). How long did you wait for asking for a CLI if you dont mind sharing?

Message 9 of 13
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Frequent Contributor

Re: PenFed Bonanza

Major Congrats!!!  PENFED continues to impress me everyday.  Smiley Happy

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 10 of 13
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