cancel
Showing results for 
Search instead for 
Did you mean: 

Thanks PenFed for the extra $10K!

Highlighted
Valued Contributor

Re: Thanks PenFed for the extra $10K!

Congrats on the CLI @Aim_High! I'm a big fan of PenFed. I'm shocked about the Amex denial - was that too many new Amex cards or in general? They've never really been the new account/inquiry sensitive type, but $10,000 does always help smooth things over Smiley LOL

Message 11 of 40
Highlighted
Established Contributor

Re: Thanks PenFed for the extra $10K!

@Aim_High  Super Congrats on your PenFed PCR $10,000 CLI!!! Smiley Very Happy

 

I've had no luck with PenFed, but I'm glad you are. They are definitely 

a hit or miss proposition, so I"m glad you're hittin' it outta the park.

Congrats again and thanks for sharing! Smiley Very Happy

Message 12 of 40
Highlighted
Moderator

Re: Thanks PenFed for the extra $10K!

Congrats on the CLI.. Looks like you bumped up on the "offical" ceiling for a given card it appears.  Not sure what their current policy is, think it is 25k unless grandfathered in?  Enjoy the new CL!

Message 13 of 40
Highlighted
Super Contributor

Re: Thanks PenFed for the extra $10K!

Congrats A_H !



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 14 of 40
Highlighted
Valued Contributor

Re: Thanks PenFed for the extra $10K!


@credit_is_crack wrote:

Congrats on the CLI @Aim_High! I'm a big fan of PenFed. I'm shocked about the Amex denial - was that too many new Amex cards or in general? They've never really been the new account/inquiry sensitive type, but $10,000 does always help smooth things over Smiley LOL


I have had AMEX before but none currently.  It was all about my new account spree I've had in the past two years.  It was a lot, but I didn't think it would lead to a denial with AMEX!!  Here is the link with more info:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-wants-my-business/m-p/6026334#M265355



Updated 05/18/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 8+ years; AoYA = less than 1 year (April 2020)
Total Open Credit Lines Over $492K. Utilization Less Than 1%. Inquiries until Nov 2020 (TU:2 -- EQ:4 -- EX:6)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 15 of 40
Highlighted
Valued Contributor

Re: Thanks PenFed for the extra $10K!


@Aim_High wrote:

@credit_is_crack wrote:

Congrats on the CLI @Aim_High! I'm a big fan of PenFed. I'm shocked about the Amex denial - was that too many new Amex cards or in general? They've never really been the new account/inquiry sensitive type, but $10,000 does always help smooth things over Smiley LOL


I have had AMEX before but none currently.  It was all about my new account spree I've had in the past two years.  It was a lot, but I didn't think it would lead to a denial with AMEX!!  Here is the link with more info:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-wants-my-business/m-p/6026334#M265355


@Aim_High I've never known them to be sensitive and your 7/12 doesn't seem like something they've pushed back on before, but I could be wrong. I've gotten cards with them when I was up to 12/12, of course we weren't in a global pandemic and they weren't being hypersensitive. Sorry to hear it, but glad you got the $10k! 

Message 16 of 40
Highlighted
Valued Contributor

Re: Thanks PenFed for the extra $10K!


@James_A wrote:

@Aim_High wrote:

.. .rumor-has-it that PenFed is doing SP CLIs now-a-days ...

I hadn't heard that rumor -- have a link or more info? 

Congrats! on your 10k CLI - that is sweet! Smiley Happy


Thanks @James_A!

Here are two recent threads where members chimed in about Soft Pulls with PenFed.

And AFAIK, still no HP notification about a pull from my CLI!  Smiley Happy

https://ficoforums.myfico.com/t5/Credit-Cards/PenFed-Power-Cash-Rewards/m-p/6018576

https://ficoforums.myfico.com/t5/Credit-Cards/PENFED-Power-Cash-Rewards/m-p/6023846

 

ETA:  This was a HARD PULL CLI on Equifax.



Updated 05/18/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 8+ years; AoYA = less than 1 year (April 2020)
Total Open Credit Lines Over $492K. Utilization Less Than 1%. Inquiries until Nov 2020 (TU:2 -- EQ:4 -- EX:6)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 17 of 40
Highlighted
Established Contributor

Re: Thanks PenFed for the extra $10K!

Congratulations on your PenFed Power Cash Rewards CLI!



Current FICO 8:

Credit Age (TU):

Inquiries:


Message 18 of 40
Highlighted
Valued Contributor

Re: Thanks PenFed for the extra $10K!


@AllZero wrote:
Congratulations on your CLI!

 

@M_Smart007 wrote:

Congratulations on your CLI

 


@James_A wrote:

Congrats! on your 10k CLI - that is sweet!



@credit_is_crack wrote:

Congrats on the CLI @Aim_High! I'm a big fan of PenFed. I'm shocked about the Amex denial - was that too many new Amex cards or in general? They've never really been the new account/inquiry sensitive type, but $10,000 does always help smooth things over Smiley LOL

 

@AllThingsInTime wrote:

@Aim_High  Super Congrats on your PenFed PCR $10,000 CLI!!! Smiley Very Happy

I've had no luck with PenFed, but I'm glad you are. They are definitely 

a hit or miss proposition, so I"m glad you're hittin' it outta the park.

Congrats again and thanks for sharing! Smiley Very Happy

 

 @CreditCuriosity wrote:

Congrats on the CLI.. Looks like you bumped up on the "offical" ceiling for a given card it appears.  Not sure what their current policy is, think it is 25k unless grandfathered in?  Enjoy the new CL!

 

@Meanmchine wrote:

Congrats A_H !


Thanks guys!  Yes, that $10K today definitely helped with the AMEX news! Lol



Updated 05/18/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 8+ years; AoYA = less than 1 year (April 2020)
Total Open Credit Lines Over $492K. Utilization Less Than 1%. Inquiries until Nov 2020 (TU:2 -- EQ:4 -- EX:6)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 19 of 40
Highlighted
Frequent Contributor

Re: Thanks PenFed for the extra $10K!

Congrats 🎉🍾🎊🎈 PenDred 😆!
🦇🦇🦇🥊💥🥊💥🥊💥✅✅✅


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


Take the myFICO Fitness Challenge












Message 20 of 40
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.