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Pendread No More -- a Happy Penfed CLI

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Valued Contributor

Pendread No More -- a Happy Penfed CLI

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 ... Smiley LOL

 

DPs:

(expected) HP  -- EQ9 778;

INQ: 3 last 12 months ; 1 last 6 months; 

No derogs;

INCOME: 100 + 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 1 of 18
17 REPLIES 17
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Valued Contributor

Re: Pendread No More -- a Happy Penfed CLI

WOW!!!  That's outstanding! Congratulations on that terrific CLI!  Absolutely worth the HP!  Pick a up Lotto ticket today while you're at!  

Message 2 of 18
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Super Contributor

Re: Pendread No More -- a Happy Penfed CLI

Congratulations on your CLI! Thank you for sharing the data points.
Message 3 of 18
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Epic Contributor

Re: Pendread No More -- a Happy Penfed CLI

@James_A, Congratulations on your Penfed CLI Approval..HatTipSmileyAnim.gif

 

Message 4 of 18
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Valued Contributor

Re: Pendread No More -- a Happy Penfed CLI

Congrats on the great CLI!

Message 5 of 18
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Valued Contributor

Re: Pendread No More -- a Happy Penfed CLI

Congratulations on your CLI!!! Thanks for the DP's.








Message 6 of 18
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Community Leader
Senior Contributor

Re: Pendread No More -- a Happy Penfed CLI

From 2k to 20k? That's what's up. Helluva CLI, congrats!



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | 2017 Audi A6 Prestige S-Line





TCL $85,100| Agg. Util under 5%
Message 7 of 18
Highlighted
Valued Contributor

Re: Pendread No More -- a Happy Penfed CLI

Wow Congrats! 

 

Pendread no more indeed! 

BK7 dc in 01/2011 with FICO8 in the 500s

New cc TLs : 1/6 ; 1/12 ; 2/24
HPs EX 2 EQ 2 TU 1
AAoA 5y4m
UTIL 1% - 3%

$220K+ Total Limits










Message 8 of 18
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Moderator

Re: Pendread No More -- a Happy Penfed CLI

Grats on the CLI!
Message 9 of 18
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Community Leader
Mega Contributor

Re: Pendread No More -- a Happy Penfed CLI


@James_A 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 ... Smiley LOL

 

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 JimmySmiley Wink 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....muchSmiley Wink

Message 10 of 18
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