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PenFed CLI Success Power Cash

M_Smart007
Epic Contributor

Re: PenFed CLI Success Power Cash

Congratulations!..

popcorn eating emoticon.gif
Message 11 of 18
benreily
Established Contributor

Re: PenFed CLI Success Power Cash

Congrats! Huuuuge CLI!




Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014)EQ 781, EXP 784, TU 779
Score: (Nov 22, 2014)EQ 814, EXP N/A, TU 781
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
Score: (Mar 10, 2018)EQ 736, EXP 740, TU 724
Score: (Apr 7, 2018)EQ 752, TU 750, EXP 753
Score: (Jun 14, 2018)EQ 784, TU 771, EX:777
Score: (Sep 7, 2020)EQ 760, TU 737 , EX ?
Score: (Nov 23, 2020)EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)
Score: (Feb 1, 2021) From myfico.com EQ Fico 8 776,Fico 9 771, TU Fico 8 755, Fico 9 751, EX Fico 8 750, Fico 9 741
Score: (Feb 14, 2021) From myfico.com EQ Fico 8 790, TU Fico 8 789, EX Fico 8 768 (drops from 772)
Score: (Feb 21, 2021) From myfico.com
EQ Fico 8 797, TU Fico 8 791, EX Fico 8 761 (Scores fluctuated Up/Down this month)
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge
Feb 1, 2021 AoOA 18 years, 9 months, AAoA 7 years, 10 months





Message 12 of 18
Wile
Regular Contributor

Re: PenFed CLI Success Power Cash

@yorobbie  Awesome...Good job...By the way, you never received any automatic offer in last one year for CLI on your this card??

Message 13 of 18
BAD_UP
Frequent Contributor

Re: PenFed CLI Success Power Cash

Congrats on your PenFed CLI🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 14 of 18
yorobbie
Established Member

Re: PenFed CLI Success Power Cash


@Wile wrote:

@yorobbie  Awesome...Good job...By the way, you never received any automatic offer in last one year for CLI on your this card??


Thanks everyone!

 

And no @Wile , I was not aware of any offers from PenFed on this card. I got lots of mail about refi on autoloans and such (which I thought was funny given I don't have an auto loan), various email offers, and of course the coveted TurboTax offer Smiley LOL but that's about it! I think I mainly decided to ask for the CLI because the time that had elapsed (12+ months) and my EQ Fico 9 had jumped up about 40+ points in the last year. 

Starting FICO 8: 620 Current FICO 8: 720s Current FICO 9: 740s
Message 15 of 18
Credit4Growth
Valued Contributor

Re: PenFed CLI Success Power Cash

Congrats @yorobbie, that is one heck of an increase!! 👏👏

Current as of February 21st
TCL $126.6 - 2.#%UTL || - SL Balance $20.6K
FICO 08 EQ723, TU725, EX725 || Mortgage Scores: EQ 724, Tu 694, EX 726

PSECU || CHASE || NAVYFED || DISCOVER ||

Restarted my rebuild in April 2018

Gardening until Emerald Spade - Accomplished. 1st App on the list is AODFCU, next is TBD
Last apps: (2) August 18, 2019. Instant approvals but one account opened on the 19th
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 0/12 4/24 (based on DPs; 5/24, an AU from 8/16/2019) IHG
Dirty/Thick/Aged/ No New Acoounts


Message 16 of 18
Wile
Regular Contributor

Re: PenFed CLI Success Power Cash


@yorobbie wrote:

@Wile wrote:

@yorobbie  Awesome...Good job...By the way, you never received any automatic offer in last one year for CLI on your this card??


Thanks everyone!

 

And no @Wile , I was not aware of any offers from PenFed on this card. I got lots of mail about refi on autoloans and such (which I thought was funny given I don't have an auto loan), various email offers, and of course the coveted TurboTax offer Smiley LOL but that's about it! I think I mainly decided to ask for the CLI because the time that had elapsed (12+ months) and my EQ Fico 9 had jumped up about 40+ points in the last year. 


Those kinds of emails are bulk emails anyway which are sent to every cardholder than specific to each person's situation. Secondly, some data points suggest that after submitting a request for CLI, some people do see an automatic offer on their account. However, keep it in mind that some people never see that offer. All I can say is that regularly use of cards surely get you CLI, with or without any offer, but I am not talking about showing a charge for a chewing gum here and there..lols

Message 17 of 18
yorobbie
Established Member

Re: PenFed CLI Success Power Cash


@Wile wrote:

@yorobbie wrote:

@Wile wrote:

@yorobbie  Awesome...Good job...By the way, you never received any automatic offer in last one year for CLI on your this card??


Thanks everyone!

 

And no @Wile , I was not aware of any offers from PenFed on this card. I got lots of mail about refi on autoloans and such (which I thought was funny given I don't have an auto loan), various email offers, and of course the coveted TurboTax offer Smiley LOL but that's about it! I think I mainly decided to ask for the CLI because the time that had elapsed (12+ months) and my EQ Fico 9 had jumped up about 40+ points in the last year. 


Those kinds of emails are bulk emails anyway which are sent to every cardholder than specific to each person's situation. Secondly, some data points suggests that after submitting a request for CLI, some people do see an automatic offer on their account. However, keep it in mind that some people never see that offer. All I can say is that regularly use of cards surely get you CLI, with or without any offer, but I am not talking about showing a charge for a cup of coffee or a chewing gum here each month..lols


Oh, cool, I didn't know that about a subsequent automatic offer! I'll definitely keep my eyes open for that and update if I see one. 

 

Also, I didn't know that about volume of use specifically with PenFed CLIs, but that's good to know also. The SUB and cash back was good motivation, so I had some heavy use for awhile and then scaled it back in recent months. 

Starting FICO 8: 620 Current FICO 8: 720s Current FICO 9: 740s
Message 18 of 18
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