When to request a cli from PenFed

[astritaho1979]

I opened the account back on october with a credit limit of 6.5k.Its been 4 months since i opened the account and my score has increase 690 to 738 lenders pull fico

I have spend more then 10k in charges and always paid in full.Can i request for a cli now? and do i have a chance?

[newportguy]

You can't request a CLI until after the 1 yr mark and then it will be a HP

[creditnocash]

i would personally wait till all of your accounts are at least 6 months old. and when you have a minimal amount of inquries effecting your score. 

[newportguy]

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@creditnocash wrote:

i would personally wait till all of your accounts are at least 6 months old. and when you have a minimal amount of inquries effecting your score. 

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That does not work with PenFed!!!

[creditnocash]

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@newportguy wrote:

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@creditnocash wrote:

i would personally wait till all of your accounts are at least 6 months old. and when you have a minimal amount of inquries effecting your score. 

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That does not work with PenFed!!!

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i just meant for the op. not for the general. 

in many posts he has stated many new inq due to apping and getting other cli, and being denied by some banks. 

so if his last new account was today, and his penfed was october id still wait until after august

he would still have to wait until october. as pointed out, but he would be in a much better position (hopefully)

[astritaho1979]

My new accounts are 4 months old and i dont wanna risk getting the penfed closed down. if i request the cli and penfed see all the new accounts

[newportguy]

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@creditnocash wrote:

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@newportguy wrote:

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@creditnocash wrote:

i would personally wait till all of your accounts are at least 6 months old. and when you have a minimal amount of inquries effecting your score. 

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That does not work with PenFed!!!

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i just meant for the op. not for the general. 

in many posts he has stated many new inq due to apping and getting other cli, and being denied by some banks. 

so if his last new account was today, and his penfed was october id still wait until after august

he would still have to wait until october. as pointed out, but he would be in a much better position (hopefully)

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I agree

[newportguy]

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@astritaho1979 wrote:

My new accounts are 4 months old and i dont wanna risk getting the penfed closed down. if i request the cli and penfed see all the new accounts

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I understand that........ What i am saying is, PenFed will not even talk about a CLI until you have been with them 1 year....

[astritaho1979]

I guess i was wondering if anyone has had any succes with getting a cli early then 1 yr mark.I app for the citi got approved and even thought they say u have to wait 6 months for the cli i got it in 3 days through online request.They did a hard pull

[creditnocash]

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@astritaho1979 wrote:

I guess i was wondering if anyone has had any succes with getting a cli early then 1 yr mark.I app for the citi got approved and even thought they say u have to wait 6 months for the cli i got it in 3 days through online request.They did a hard pull

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did you forget already all the times citi denied you(just for the card)? obviously its not the rule but the exception. 

you can do whatever you choose. i wont lose a wink of sleep over it.