A couple of years back I first got in with Penfed, detailed here. It was an arduous process for small reward -- $2000 SL that until today had not grown despite me tossing HPs at it like rice at a wedding. "No more!" I said, more than once, after another failed app or CLI. But I've been abstinent since January and was prepared to wait until a CLI showed in OFFERS.
Two things happened:
1) Quarterly offers came & went (October 1st) with nothing for me;
2) An EQ HP aged off (12 + months) this week dropping my number from 4 to 3, yet I saw zero change in FICO score.
So it didn't take my brain long to decide if I didn't gain points dropping a HP then I wouldn't lose points taking a HP -- in essence a free spin of the wheel! Who doesn't love free stuff? Who doesn't love spinning a wheel?
Logged in, updated income, housing, employment. The wheel spun for a few seconds & then disconnected me. But seconds later I got an APPROVAL email -- new CL $20,000.
Thinking I might now ask for a 2nd card ... 
DPs:
(expected) HP -- EQ9 778;
INQ: 3 last 12 months ; 1 last 6 months;
No derogs;
INCOME: 100 +
Congratulations on your CLI! Thank you for sharing the data points.
@Anonymous, Congratulations on your Penfed CLI Approval..
Congratulations on your CLI!!! Thanks for the DP's.
Wow Congrats!
Pendread no more indeed!
Grats on the CLI!
@Anonymous wrote:A couple of years back I first got in with Penfed, detailed here. It was an arduous process for small reward -- $2000 SL that until today had not grown despite me tossing HPs at it like rice at a wedding. "No more!" I said, more than once, after another failed app or CLI. But I've been abstinent since January and was prepared to wait until a CLI showed in OFFERS.
Two things happened:
1) Quarterly offers came & went (October 1st) with nothing for me;
2) An EQ HP aged off (12 + months) this week dropping my number from 4 to 3, yet I saw zero change in FICO score.
So it didn't take my brain long to decide if I didn't gain points dropping a HP then I wouldn't lose points taking a HP -- in essence a free spin of the wheel! Who doesn't love free stuff? Who doesn't love spinning a wheel?
Logged in, updated income, housing, employment. The wheel spun for a few seconds & then disconnected me. But seconds later I got an APPROVAL email -- new CL $20,000.
Thinking I might now ask for a 2nd card ...
DPs:
(expected) HP -- EQ9 778;
INQ: 3 last 12 months ; 1 last 6 months;
No derogs;
INCOME: 100 +
Wow my income is close to yours....🤔.... ok well at least the plus🤭
Great job Jimmy
Something is in Penfeds drinking well lol. Stars are aligning, people getting approved with fresh bks, approvals is inundated with what do you call them....oh yea, approvals, and even i cant hate on them....much