So I joined a few days ago (got a Hp just for joining) so I applied for a LOC based on that Hp being good for a while (did I read right?) it's pending right now. I take it that's better than a straight decline? I might get hit with credit pyramid response but we'll see.
Typically, when you app with them it goes to pending and may be referred to a loan officer. This will take a couple of days.
I say, no worries. This has happened to me twice with PenFed. In each case, I was approved.
Just keep checking.