Penfed Gold CLI Approved!

Prince_Kay5 · ‎01-17-2023

I was hesitant between applying for a new credit card and going for the CLI. I decided to request the CLI and save my AAoA. I was approved for the Penfed gold visa in March 2022 with a SL of $3500. 9 months later I took the HP on equifax and requested an increase to 10k. It was instantly approved, I thought they would counter a lower amount. Penfed has been great to me, they rock!!!

It was definitely worth the HP for me.

Before app: Equifax 709,8 inquiries , 6/12 , 13/24, utilization 11%. AAoA 2Years 2 months

CreditAggie · ‎01-17-2023

Congratulations on your PenFed Gold CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

KingRue8500 · ‎01-17-2023

Congrats on your PenFed Gold CLI

805orbust · ‎01-17-2023

Very nice! Congrats on the 3x increase!

OmarGB9 · ‎01-17-2023

Congrats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CardHunter · ‎01-18-2023

@Prince_Kay5 wrote:
I was hesitant between applying for a new credit card and going for the CLI. I decided to request the CLI and save my AAoA. I was approved for the Penfed gold visa in March 2022 with a SL of $3500. 9 months later I took the HP on equifax and requested an increase to 10k. It was instantly approved, I thought they would counter a lower amount. Penfed has been great to me, they rock!!!
It was definitely worth the HP for me.
Before app: Equifax 709,8 inquiries , 6/12 , 13/24, utilization 11%. AAoA 2Years 2 months

Very nice and congrats!

JoeRockhead · ‎01-18-2023

HPs for CLIs are a bit of a bummer for me personally, but that's an incredible bump to your CL. Outstanding, congratulations!!

nytokyobred79 · ‎01-18-2023

Congrats getting your card to 10K with that awesome CLI 😀

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $205, 500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 20.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

cashorcharge · ‎01-18-2023

WooHoo!! Congratulations on your PenFed Approval!!👏🏼🍾🥂

mgood · ‎01-18-2023

Congratulations on a great CLI!

@Prince_Kay5 wrote:
I was hesitant between applying for a new credit card and going for the CLI.

You could do both. PenFed will usually do multiple apps with one HP if they're within 30 days or so. If you've already taken the HP, ask for everything you want.

$17,500 Chase Sapphire Preferred Visa Signature 01/23

$17,500 Chase Amazon Prime Rewards Visa Signature 05/23

$12,000 Chase Freedom Flex World Elite Mastercard 05/21

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Shopper Cash Rewards Visa Signature 12/23

$13,900 Citi Custom Cash World Elite Mastercard 07/22

$5,850 Capital One SavorOne World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$4,000 Eddie Bauer (Comenity Bank) 05/16

$1,000 American Express Blue Cash Preferred 04/24

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 778, TU8 766, EX8 770 as of April 24
Goal Score: EQ8 780, TU8 780, EX8 780
Take the myFICO Fitness Challenge

AZE4 - 2% Utl - New Accts: 3/6, 4/12, 7/24