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PenFed PLOC

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New Contributor

PenFed PLOC

If I was denied a PLOC when asking for 10K because I am well within my 90 day window, can I re-apply and ask for lower amount and still have no HP? Or since its a second time for same application will htey HP? I was just approved for Platinum siggy for 9K with EQ 671 but have no idea what what my nextgen score is or how to find it?


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5 REPLIES 5
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Frequent Contributor

Re: PenFed PLOC

Hard pulls last 90 days with penfed however I'd wait just before the 90 days in order to reapply just use the account and PIF if you're able to on any credit products when you do penfed loves the history side and you won't be disappointed.  I requested an increase this morning on all my products and one was approved waiting for results on the other two will post results in a while, they all started on the lower side but like all things penfed they rob ably just need to see how you handle them.

F08 | EXP 770 | TU 807 | EQ 761 | 1% Utl | 3/23/19 Goal: 760+ Across the board | AMEX Platinum NPSL (30k Pay Later) | AMEX Gold NPSL (30k Pay Later) | PenFed Platinum Rewards VS 50k | DiscoverIT 44k | Cap One QS VS 26.5k | Chase Sapphire Reserve VS 25k | AMEX Blue Cash Preferred 25k | NFCU Flagship Rewards 25k | NFCU GoRewards VS 25k | Ebates 25k | PenFed PLOC 25k | Credit Union of Colorado 18.5k | Citi Double Cash WEMC 18.3k | Chase Freedom VS 18k | Alliant VS 15k | Bank of America Premium Rewards VS 15k | Bank of America Cash Rewards VS 12.9k | NASA FCU 11.9K | Citi Rewards + 8.5k | US Bank Cash+ VS 7.5k | Barclays Arrival + WEMC 7.5k | Chase IHG 7.5k | Chase Amazon VS 5k | Paypal Credit 4.5k | AAoA 5.8yr
Message 2 of 6
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Regular Contributor

Re: PenFed PLOC

I don't believe so. I'm a good PF cust w several products but was denied w no counters. They're funny w that and overdraft CL requests as well. Most out here say if denied re-apply w lower amount later in the 90 day cycle. Good luck. 

Message 3 of 6
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New Contributor

Re: PenFed PLOC

I am not sure the exact day they HP me. 


Message 4 of 6
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New Contributor

Re: PenFed PLOC

Nevermind, I found the date. Thanks for the advice.


Message 5 of 6
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Valued Contributor

Re: PenFed PLOC

I'd wait until late in the 90 day cycle also. They do appear to like a history. But then again, I've seen a wide range of approvals and denials,.as well as SL's given that don't seem to line up, so ymmv
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


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