PenFed Pre-Approvals Posted

[Anonymous]

I saw you mention a new card in another thread so I was curious.

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@Gmood1wrote:

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@Anonymouswrote:

Hi Gmood1, what was the new card you got that I saw you mention last week.

On Topic:   Prompted by this thread I signed in to my PenFed account and saw that my EQ FICO 9 scored increased to 794(1/30/18 pull).  Unfortunately no offers for me other than TurboTax and auto loans.  Wasnt expecting any offers since I've only been a member since 9/17.

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MNB, 🤣

That was a Simply Plus Business Amex I grabbed last week under the radar. Those kind of apps are the best ones. Limits don't have to be huge, because the utilization isn't an issue.

Crack guy, you caught me red handed. lol

I don't have any Chase business cards. Maybe one day. Chase is a little twitchy for my taste though. 

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[frank784]

Just to confirm since I have the same offer screen after recieving the email, if I click on the current card I have (Penfed Power Visa - 10K SL) and ask for the 5k limit they are offering, It would simply increase my CL to $15K with no hard pull and not adding another card since I'm using the same one? 

It shows I can get 5K on any card but I would prefer to just to a CLI on my current one since then I would be able to not interupt my goal I have to get under 5/24 by the late part of this year. 

Thanks for the help! 

[sueblue34]

Since when did PenFed start updating the Fico scores monthly? I thought it was quarterly

[credit_is_crack]

Nice Frank!

I’m seriously considering taking the plunge too. I wish they would say “CLI” vs the card name - it’s wording feels a lot like a 2nd Card, but at the same time PenFed is pretty good about combining cards, not that we want to have to get to that point. I share your paranoia my friend...

I know Gmood confirmed earlier so there’s one voucher. Anyone else share the same experience?

[Gmood1]

@Frank
Click on the same card they show in your offers. It should asked you if you'd like the CLI, unless something has changed?
I didn't get a HP back in November when I accepted another CC from them.

[credit_is_crack]

@sueblue - I thought it was quarterly as well, but I could be confusing PenFed and Navy as they have a weird every other month thing, I think. Maybe they are doing SPs monthly for offers, but only quarterly online for us to see?

I just ran my 3B report last night and my EQ9 was 10-15pts higher than the 01/30 showing. I wonder what the score was when they ran the last internal update...

[Meanmchine]

Talk about getting your hopes up .......

I was reading this thread when I got the incoming email chime. IT WAS FROM PENFED ..... asking me to open a checking account   Talk about a letdown

I got the CLI / New account offer on Jan 1st or so. It was the first increase offer Ive gotten from Penfed and I accepted ( it basically doubled my PCR cl ) Once you accept an offer, how long do you normally have to wait til you get offers again?

Congrats to all on your new offers !

[Gmood1]

Looks like the offers come back on the next quarter Meanmchine. Maybe four months or so.

[Anonymous]

Haven't gotten any offers yet, email or otherwise. My EQ FICO 9 doesn't get pulled until the 30th, so if anything comes up it'll probably be early April. I opened my auto loan last February and my Power Cash Rewards in July, got a CLI in early November and applied for another one this month but was turned down. I saw just this morning on CCT though that my EQ FICO 8 has jumped 10 points to 703, so I'm hoping for a similar improvement on FICO 9.

[AverageJoesCredit]

Good to see Penfed likes crack Explains alot