Penfed Promise CLI

[Anonymous]

Just about at 90 days since originally approved for Promise at 10k. Asked for a CLI last month and it was a giant NO and told me to try again in 6 months.

Requested another on Friday online and it went right to review. SO today I checked and it was still in review. DECIDED to call and see if they needed anything.

Waited on the phone for 20 minutes and came back and said approved for 5k. They said the new 15k limit would show tomorrow.

All the bureaus are frozen. SO they must have used August's soft pull or my original pull.

Current Nexgen is 794.

There is a 2k balance on it as well. I have ran almost 20k through my ploc with them in 2 months and have always paid it back within a week. THAT may have helped.

I originally did a balance transfer onto my Promise for 7k and have paid it down to the 2k in just under 3 months as well.

[gdale6]

Grats on the nice CLI

[AverageJoesCredit]

Sweet! Nice job Donny!!

[Anonymous]

Great to hera your story. New to the Forum. Have not used much credit. AOAA 28.6yrs. Amex pay over time $24K and Suntrust mortgage on 3 bureaus. Closed 2nd mortgage on TU. Income $125K. No baddies. 1 inquiry 5/2016. Overall util including mortage = 50%.  Amex util reported as 100%. Not sure what to do about this. Myfico Eq=758, TU=765, Ex=757. Not sure what NexGen scores will be. Want to go after PenFed . Should I? Which first? Will poi be requested? What will they look for? Will want car loan for $25K in about 3 mos.Probably too conservative with credit. Appreciate your guidance. How do you conduct an App Spree? Simply apply for several cards within the 90 days of the credit pull at PenFed?

[Anonymous]

Nice job on that great CLI donny!

Enjoy!

[grillandwinemaster]

Congrats Donny, very nicely done!

[grillandwinemaster]

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@Anonymous wrote:

Great to hera your story. New to the Forum. Have not used much credit. AOAA 28.6yrs. Amex pay over time $24K and Suntrust mortgage on 3 bureaus. Closed 2nd mortgage on TU. Income $125K. No baddies. 1 inquiry 5/2016. Overall util including mortage = 50%.  Amex util reported as 100%. Not sure what to do about this. Myfico Eq=758, TU=765, Ex=757. Not sure what NexGen scores will be. Want to go after PenFed . Should I? Which first? Will poi be requested? What will they look for? Will want car loan for $25K in about 3 mos.Probably too conservative with credit. Appreciate your guidance. How do you conduct an App Spree? Simply apply for several cards within the 90 days of the credit pull at PenFed?

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Welcome XRS!

Feel free to start your own thread, you'll get a lot more replies that way. 

FYI, if you can get your uti down, with your AAofA being that high, you'll probably score in the 800's!