Just finished a Wells Fargo mortgage and closed. The new account shows up on my Wells account access online and title changed hands.
Been delaying some credit line increases, so since I've completed the mortgage and can tidy up some loose ends.
I apped for a Penfed 1+ year ago, maybe 2, denied first time for "pyramiding." Applied 6 months later for minimum $1,000 to get foot in door and was approved.
Just called in right now for an increase over phone. I asked what is the increase amount to not trigger a hard inquiry. She said all increases trigger a hard increase. I said, ok, what's the maximum limit, she said $25,000. I said, ok then, let's do $25,000. I asked what they pull, she said Equifax. She went offline for a few minutes, said I was approved! Paperwork for the increase approval will be mailed to me, it's not available by e-signing. Cross that off my bucket list.
PF even if I'm laying low with them right now (like a lot of folks).