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Penfed Gold Visa $4,000 CLI

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jamerican-girl
Contributor

Penfed Gold Visa $4,000 CLI

I saw that the credit line increase button was on my account and pulled the trigger and scored a $4,000 CLI on my Penfed Gold Visa card bringing my CL to $7,500, the same as my PCR. It took a while to show up in the account because they had some issue on the back end, but it's there now. I applied for the Platinum Rewards card but it's under review. We'll see what happens with that. 

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta
Message 1 of 15
14 REPLIES 14
SUPERSQUID
Valued Contributor

Re: Penfed Gold Visa $4,000 CLI

CONGRATS !!!!!

How long have you had the card?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 2 of 15
JoeRockhead
Senior Contributor

Re: Penfed Gold Visa $4,000 CLI

Nice bump, congratulations!

Message 3 of 15
BigBS
Senior Contributor

Re: Penfed Gold Visa $4,000 CLI

Congrats on the CLI!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 15
jamerican-girl
Contributor

Re: Penfed Gold Visa $4,000 CLI

@SUPERSQUID I've had the card for a year. I got the CLI on the PCR card six months in. I got both cards at the same time.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta
Message 5 of 15
nytokyobred79
Valued Contributor

Re: Penfed Gold Visa $4,000 CLI

Congrats on your successful 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- $211, 000 | 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- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
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 Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 6 of 15
CreditMagic7
Mega Contributor

Re: Penfed Gold Visa $4,000 CLI

Congratulations on your PenFed Card Increase!

Message 7 of 15
Catbird_Seat
Contributor

Re: Penfed Gold Visa $4,000 CLI


@jamerican-girl wrote:

I saw that the credit line increase button was on my account and pulled the trigger and scored a $4,000 CLI on my Penfed Gold Visa card bringing my CL to $7,500, the same as my PCR. It took a while to show up in the account because they had some issue on the back end, but it's there now. I applied for the Platinum Rewards card but it's under review. We'll see what happens with that. 


When did you apply for the Platinum card?

I'm asking because I have a PCR & applied for a Gold card on Wed 7/12 through the pre-qualify link & it immediately went to review, where it has stayed since.

I have called to check on the status but all they can tell me is it's still in review.

I wonder if they are bacllogged with apps right now. 

Message 8 of 15
FireMedic1
Community Leader
Mega Contributor

Re: Penfed Gold Visa $4,000 CLI

HP or SP CLI?


Message 9 of 15
coreyb80
Super Contributor

Re: Penfed Gold Visa $4,000 CLI

Congrats on the increase!

Message 10 of 15
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