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During rebuild journey, opened PenFed checking and savings account in July 2020 in hopes of soon getting their PCR card. Put in an ill-advised app for it in August 2020. Denied. Got my scores up some in the following months. Saw some approvals in this forum with scores around mine but not quite as low and applied on 12/31/20 with an EQ9 of 660. Knew I was on the cusp but luckily was approved for PCR with $1,500 SL. Slightly disappointed with the limit but certainly happy with the approval. About two days later, I figured why not go for Gold using the same pull. Approved for that with $2,500 SL.
6-month mark hit in the first week of July (last week) and my scores have improved drastically since then. Last 3 baddies aged off (2 paid CO's and a really old late payment). PenFed app had my EQ9 FICO at 785 (last updated 6/15/21) - figured it was as good a time as any to go for CLI on the two cards. Put maybe $3500 through the Gold card since having it and the rest of my life through the PCR - telling from my cash back, about $15K. (Not the funnest making 4-5 payments a month).
Hit the request credit increase button under the PCR account. Instant approved for new credit limit of $15K. Increase button was not under the Gold Card so I called in 7/3/21 to ask about increasing that one with same pull. No instant approval. Was told it was in review. With the holiday - heard nothing until I finally decided to call in on 7/7/21. Rep put me on hold while he was "getting me a review" - Gold card approved - new limit $10K. My EQ has 3 total inqs. All Penfed since August last year. Income 115K. Lastly, my EQ8 didn't lose any points for the latest HP. It actually went up 3 points about 2 days before - maybe because those two cards aged 6 months.
Congrats @soamazin55 on your amazing CL increases! Also, thanks for the DPs.
You have a good thing going on at PenFed, they're really diggin you.
Thanks for posting your story.
Congratulations!
Congratulations on your PenFed CLIs!
Congrats on both of your PenFed CLI's 🎉
Grats on your double play increases
Congrats on the double-CLI Very nice increase for both cards.....CU's are great.
Congrats on the increases, great work!