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UPDATE: This was a HP on EQ. I app'd on a Sunday and it went to UW on Monday for approval. The HP did not show up until Tuesday.
I have Pen Fed for about 6 years now. I had 2 CC accounts @$5k each. I combined into 1 CC for $10K in 2016. I requested a CLI and was denied because I had too much "available credit" @ ~$200K. On Friday, I hit the luv button and "sent to loan department for review". About an hour later I received a message stating "Congrats your new CL is $15,000 ($5k increase). I was surprised to see there was no HP on EQ.
My EQ8 is 780 and I unthawed expecting a HP. I had BK7 drop in DEC and INQ 0/12. Normally I would not have bothered but since NFCU did not offer me a BT this year, I need to take advantage of the 0.99% @ 18 months (+3% fee). I was hoping for $25K but I will take $5K for now.
That's terrific! Congratulations on your approval!! 🎉🥂
Plus no offer, and SP CLI is a WinWin with PenFed I believe. WooHoo!!
Questions for you...was that original CLI denial in 2016 and today do you still have a lot of available credit or potentially even more but was rewarded anyway?
Congratulations!
congrats!
@cashorcharge wrote:That's terrific! Congratulations on your approval!! 🎉🥂
Plus no offer, and SP CLI is a WinWin with PenFed I believe. WooHoo!!
Questions for you...was that original CLI denial in 2016 and today do you still have a lot of available credit or potentially even more but was rewarded anyway?
Yes. The original CLI was a denial. I have used PenFed BT offers every other year to keep them happy. In 2016, I bought some land and build a small summer home all on 0% BTs and no mortgage. This year NFCU did not offer a BT so I need to have other options.
Congratulations
Grats on getting the 5K
👍 Congrats on the SP limit increase!
Congratulations!