Penfed cli myfico

Current exposure with PenFed is 25k on two CC's - 1 (15k) - 1 (10k). Income 101k I was told by credit analyst supervisor that 25k is - 4771910 - 2

Does PenFed do recon's on CLI Request ? I Applied for membership and the Cash rewards card back in September. Instant approval 10K SL. Been using the card a lot , putting a lot of spend on the card. Figured would go for a CLI so my UTI stays some what low. since putting like 3-4K a month on the card...Logged in to check for new statement for my PF Gold card and was stunned to find an auto CLI of $2,500 bringing the card to a $10K CL. Not sure what I did to prompt an auto increase. Been using it for the occasional balance transfer and paying 2 to 3 times minimum payment each month. Card turned 1...Starting with Penfed in August of 2017 ($10K SL Power Rewards) and last month got an email for another $5K to open another card or add it to my existing limit. Opted to add the 5K to the same card and am sitting at $15K. My scores have went up pretty significantly since I started with them (677 t...Oct 20, 2020 · Throughout, my scores were north of 800, and my income was, well, less than 'too much', but beyond 'adequate'. 2023 Goal: save 3 months' net income. Starting FICO8: 666 (give or take a FICO) [ Last INQ 22-Oct-2022 ] EQ. 811. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.I applied for a CLI on the PowerCash a few days later, but was denied. ... PenFed: Gold Card - SL: $3,500; Power Cash Rewards - SL: $2,500 CL: $7,500 Bread American Express Cashback - SL: $5,000 CL: $6,500 ... All FICO ® Score products made available on myFICO.com include a FICO ...

wrote: Was 4 months for me. HP and denied. Have fun! or just wait until they fix pre-approvals (if ever). Find it/shows up here: Thanks, i never looked in that area of my account page. i have that link now but i think i will wait a while longer to request a cli. M-Smart mentioned in a post th...PenFed Platinum CLI approved- $6250 +13750 cli -> $20,000 . Data Points: (11/7/2021) Utilization before the application - 9% after 8.5% roundup ... All thanks to myfico.com community from learning about credit scores and credit responsiblity. Sorry for the multiple images. I am trying not to insert to many and I reduced the sizes.Aug 25, 2021 · I got my PCR Visa with PenFed this past November 2020. Put a decent amount of spend on it every month (+/-$1k) and I PIF every month. My SL/Current Limit is $12k, so I thought I'd try for a CLI. Current UTI is 5% across all cards, my EQ 9 score is 786. I applied for a CLI yesterday and got only $3k.... Woke up this morning and saw this I went ahead and took the CLI route for my PCR card. Finally got this message I am fired up ! This is by far my biggest limit EVER ( not counting mortages ) Thanks for stopping by to read thisIt took some patience and willpower to keep gardening, but after 12.5 months PenFed gave me a CLI from $1000 SL to $10000. I'm so appreciative of this community! Here are the DPs: Opened a savings account and applied for Power Cash Rewards same day 2/2020, approved for $1000. (Later in the year ...As others have stated you cannot recon the SL but can request CLI after 6 months. Message 11 of 13. 2 Kudos. Reply. KingRue8500. Valued Contributor. 05-18-2022 01:45 PM.

Hi, i just got the Penfed powercash and the Platinum card with $10 SL. When Can I request a CLI and can I request a CLI for both cards - 6543204 - 2I opened my power cash rewards card in October 2017 with a cedit limit of 10K. Just got my quarterly offers and had my choice of any of their cards with a CL of 34.2K or a credit limit increase to my power cash card. I took the increase to 44.2K. My FICO 9 from Penfed was 767. You started with a $10,000 limit on your PCR,If you already have a CL greater than $25K with an existing card ($15K for the Gold card) you keep that CL but you cannot get a CLI. If you have a card with a current CL less than $25K ($15K for the Gold card) you'll only be able to grow it to the $25K/$15K maxinum. The $50K combined CL across all Penfed cards is still in place.First PenFed approval was 12 months ago. Missed a CLI months back after a 2nd PenFed Card Approval where a double dip chance didnt bare out that time. This time i requested strictly on this very first card again. Instantly Approved and matches the 3rd approved card a few months ago which is the Platinum. Documents came thru today to finalize it.This question is about the PenFed Power Cash Rewards Visa Signature® Card @adam_mcan • 05/30/22 This answer was first published on 05/30/22. For the most current information about a financial product, you should always check and confirm acc...Oct 20, 2020 · Throughout, my scores were north of 800, and my income was, well, less than 'too much', but beyond 'adequate'. 2023 Goal: save 3 months' net income. Starting FICO8: 666 (give or take a FICO) [ Last INQ 22-Oct-2022 ] EQ. 811.

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Hi, I just applied for a PenFed VISA card and got approved at a little under 15% interest rate for $11.5K. Would I be able to apply for - 5004529 ... (CLI on Defender) when I opened my Power Rewards card at the end of March. There have been some reports of 30 days as CO_NATIVE said. ... FICO, myFICO, Score Watch, The score lenders …I have hit the 6month mark with Penfed and thought I would try for a CLI, I filled in the form and it went to loan officer review which I - 5367926. Skip Navigation. How It Works; Pricing; Education; Community; Support; Member Dashboard; ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or ...Current exposure with PenFed is 25k on two CC's - 1 (15k) - 1 (10k). Income 101k I was told by credit analyst supervisor that 25k is max - 4771910 ... myFICO® Forums; Types of Credit; Credit Card Applications; PenFed - CLI Denial - Data Point ...It took some patience and willpower to keep gardening, but after 12.5 months PenFed gave me a CLI from $1000 SL to $10000. I'm so appreciative of this community! Here are the DPs: Opened a savings account and applied for Power Cash Rewards same day 2/2020, approved for $1000. (Later in the year ...

1. Apply for, qualify, and secure your line of credit. 2. Receive a set of checks linked to your line of credit. 3. Use your funds anywhere that accepts checks as a form of payment. 4. Pay back what you've borrowed, plus any interest on that amount. Not sure about applying for a loan online? Learn More Credit Card vs. Personal Line of CreditRe: PenFed Love button. On the main screen - under your credit card info-- under the make payment button, click on the more account info link and then on the right you'll see the request credit limit increase link. Personal Aphorism:"Forget What You Feel, Remember What You Deserve". Starting FICO 8s | 09/2017: EX 641 EQ 634 TU 647.Sep 19, 2023 · I waited 1 year on my PCR and got a cli for 2500, 7500 - 10k, ymmv. As far as the 2nd card SJ might be right, I applied for my 2nd Penfed cc the Gold 8 months after I was approved for the PCR and was approved for a 7500 sl, so I was approved for the 2nd card 4 months before the cli on the first cc, ymmv. { BK7 DC 12/2019 } target 1300/ kohls ... Congrats on your PenFed PCR CLI! Message 4 of 9 1 Kudo Cred4All. Valued Contributor Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Report Inappropriate Content ‎12-23-2019 04:52 AM ‎12-23-2019 04:52 AM. ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or ...Re: Penfed CLI Declined. I always had a positive experience with Penfed. They were my first credit card after bk with high credit limit. My SL with them was $17,500 and I used the card a lot. After 6 months credit limit was increased to $25K with hard pull. I applied for second card and instantly approved for $12,500.Oct 16, 2022 · I think Gold is either $10K or 15K max. ( I don't hold that card, and I can't totally remember) . $50K Max combined limits across 2 or 3 cards. I got their gold card offer in mail and I guess I am going to pass on that offer. However, I would want my PCR card to be at $37.5K if not then my Pathfinder card at $25K. Getting approved for a new credit card can be so exciting, you want to tell the world about it. This is your place to do just that. Tell us about your credit card approvals!Hard pull on EQ. took abouta day and a half for approval status to pop up. No POI (ever), Scores 792 FICO, dozen inq's the past 12 months, 1% uti, no baddiesRe: Penfed - when to ask for 1st CLI? Normally I suggest waiting 6 months, but with covid, banks/cu's have seen large abilities to not pay. So you may be better of waiting closer to 9-12 months unless they preapprove you from a SP review. Message 6 of 10.Just can't seem to stay in the garden. I called PenFed to request a CLI on my PCR, which is already my highest CL. It was denied. But since I'd wasted a HP and gone through the process of getting them on the phone, and since PenFed almost always uses the same HP for multiple requests, I asked about a CLI on my Platinum.

Re: PenFed PCR Visa $11,500 CLI *****Approved! Thank you @Aim_High & @M_Smart007 for the heads-up it definitely weight a lot, all financial institutions look at relationship first when it comes to exceptions and tier-bumps.

I called PENFED to see if they would consider a CLI at 80 days. I have a balance because of BT's but I make large payments to pay it down. But my Util is around 20% I was declined for a cli. The only thing they could offer me was another credit card (Promise or Amex) but I had to take some of m...Re: New Chase Amazon Visa Approval + PenFed CLI. @Inspiredman I have a Freedom Unlimited with them as well as a checking and savings. EX is 761, TU 766, AAoA on the low side at less than four years. 09-29-2022 12:47 PM.I got my PCR Visa with PenFed this past November 2020. Put a decent amount of spend on it every month (+/-$1k) and I PIF every month. My SL/Current Limit is $12k, so I thought I'd try for a CLI. Current UTI is 5% across all cards, my EQ 9 score is 786. I applied for a CLI yesterday and got only $3k....About every 6 mos or so, I pop out of the gardening abyss and re-haul my credit w/ CLI's & APR reductions. Majority of these are done through SP's, but I bit the bullet on PenFed and authorized a HP. Got a notification on my EQ only. Last time I looked, it was sitting around 787. Instant approval. From $10K --> $20K.I just got by far the largest CLI I have ever recieved. I had an offer for an additional card which I don't really need, so I requested - 6244422 - 2Applied for Penfed Sig Rewards 2 week ago and was approved with a $5K SL and denied a PLOC. Decided to apply for CLI as they will soft - 4270505Apr 4, 2018 · Re: PenFed CLI Denied! 😞😠. Not sure what you make or your scores or your DTI ratio either all that is considered among other things with PenFed.. One thing is for sure is PenFed has tightened up on their approvals/clis recently. NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash ... Jun 28, 2020 · Re: Penfed - when to ask for 1st CLI? Normally I suggest waiting 6 months, but with covid, banks/cu's have seen large abilities to not pay. So you may be better of …UPDATE 10/8/20: After multiple calls, got a super awesome CSR who helped get this done and applied to my account! Limit now officially $36,200. Thanks to you rock! Original Post: Been a PenFed member for 8 months, and opened a PCR and Plat Rewards at the time of opening the membership. The 8th s...

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Penfed CLI within the first 90 days. - 4634114. Skip Navigation. How It Works; Pricing; Education; Community; Support; Member Dashboard; Log In Log Out; Start Plan . How It Works; ... myFICO® Forums. Sign In Help. myFICO® Forums > Types of Credit > Credit Cards > WOOT! Penfed CLI within the first 90 days. Options. Subscribe to RSS Feed;Penfed Powercash Rewards $30,000 ---->>$50,000 SP CLI :smileysurprised: FICO 9:784 INQ: 24 Utili:1% reporting Derogs: Student Loan Lates (still reporting) joined dirty, still dirty :smileysad: Card opened 07/03/18 Last PenFed CLI : 01/10/17 Apr reduced from: 16.49 --> 11.99 :smileywink: Wanted ...Re: PenFed PCR CLI from $1,500 to $25,000 - worth the HP @bilwilvegas wrote: I opened my PenFed PCR on 12/27/2021 and was given a SL of just $1,500.00 I wanted to request a CLI but was advised to wait until the 6 month mark, which was on 6/27/2021.Browsing through my PenFed account this morning I noticed that for the first time I had offers for $7,400 soft pull credit limit increases to my Power Cash Rewards and Promise Visa cards . These were in addition to offers of the same limits for new Pathfinder and Visa Gold cards, and an oddball assortment of loans.Requested an increase on my Platinum Rewards SIg on 5/11 and they turned it down so quick lmaooo..Like did you even think about it :smileylol: Reason stated: MUST ESTABLISH 12 MONTH SATISFACTORY REPAYMENT HISTORY BEFORE ADDITIONAL UNSECURED CREDIT CAN BE CONSIDERED Well sheesh my EQ is 40+ high...Re: PenFed Gold CLI. Congrats!!! That's a nice increase indeed for no usage. Agreed! I'm sure if i hadn't racked more inquiries over the last couple of months, I could have got more but this is nice padding. FICO 5 ,4, 2 - 2/2023 FICO 8 - 2/2023 FICO 9 - 2/2023 FICO 10 - 2/2023.Thanks! I went for the new cards until I had the maximum allowed. My first one was only about a month old when I went for an additional card. I was approved. BUT I am a card collector so what worked for me may not work for you. Since my cards are no AF fee cards I went for additionals. My oldest Pen Fed Card is about 8 months old now.Is a CLI through PenFed a HP if they put in "My Offers" section? First time seeing this so I wanted to hear from those that have been with them longer. FICO 5 ,4, 2 - 5/2023 FICO 8 - 6/2023 FICO 9 - 5/2023 FICO 10 - 5/2023. Credit & loan qualification. Message 1 of 3.Had to dive a little deeper into the nuances of PenFed CLI's, and received some great feedback as discussed here. Choosing between a CLI or a new account, I opted for an increase to my PCR, which is a $24,200 bump: So the new credit line is $36,200, but the jury's still out on this one. My understanding is PenFed has a 25k cap on any individual ...Re: PenFed CLI. This is true. I recently opened a PF checking and savings account. Through this process is a verification of identity which includes a SP on credit. Immediately after account opening I applied for the Gold Visa and was approved immediately and NO HP on credit. Guess this one is a freebe :-)So, here is my question i have a PenFed card which i just applied for, got the "further review" message and was then approved automatically 5 mins later. Today I started thinking whether i may be able to have the line increased since they use the same HP for 30 days. I called the number on the ... ….

so I've been lurking for some time here and I remember reading that Penfed uses the same HP for applications for 90 days. So I called the Penfed rep and asked to apply for a gold card. Rep used the same hard pull and told me it's conditionally approved as well pending the review of the documents for the first card I applied for.wrote: Hey Fico Friends! I have a PenFed platinum CC that I've had for almost a year. I'd like to apply for a 2nd Penfed CC and also ask for a credit line increase on the first card. Any strategy recommendations on what to ask for first? Apply for card #2 first? Or ask for CLI on card #1...Re: Penfed CLI Declined. I always had a positive experience with Penfed. They were my first credit card after bk with high credit limit. My SL with them was $17,500 and I used the card a lot. After 6 months credit limit was increased to $25K with hard pull. I applied for second card and instantly approved for $12,500.My credit line went from $3500 to $20000 with a hard pull. Since hard pulls fro Penfed are good. for 30 days, I decided to request a CLI on my other Penfed Power Cash Rewards and my CL went from $3500 to $20000. It looks like 2023 is going to be a good year. Thanks to everyone on the forum who have helped me in my credit endeavors.So I've been trying to get an increase on my Penfed card. Been at $2000 for about 20 months and I have never gotten past that 'going - 5644509 - 2PenFed has been good to me lately with the November 12-month no interest on $500+ purchases and the $150 statement credit for adding an AU. - 6477251I have cards with nearly every major bank, and penfed and NFCU but could NEVER get disco. I got a $5k cli on my penfed platinum rewards a few weeks ago bringing that limit to $15k , so for the heck of it last night apped for the disco and they approved me for $1k (lol) but im happy to finally be on ...So, I just became a member of Penfed today and opted to apply for the Power cash rewards. I was approved for a pretty low limit of 2500. So - 4950380Logged in to check for new statement for my PF Gold card and was stunned to find an auto CLI of $2,500 bringing the card to a $10K CL. Not sure what I did to prompt an auto increase. Been using it for the occasional balance transfer and paying 2 to 3 times minimum payment each month. Card turned 1...I opened this account 5/2018 with a 2k SL. I have tried once before to increase the limit to getting a big fat no from PenFed. I also refinanced my truck with PenFed 5/2018. So maybe they are starting to warm up to me after almost 2 years of history with them. I have only used this card once in th... Penfed cli myfico, [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1]