Penfed cli myfico - That's a pretty decent limit btw. Unfortunately, they will not adjust the initial limit once approved. You can try for a CLI in about ~6 months or so. There's no way to determine how much you may receive (if approved) since the results will depend on your income, profile and overall creditworthiness. Message 4 of 13.

 
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.. Love me like i am

Re: Penfed CLI 💳🥂🍾. It's been 6 months since I opened the account with an initial limit of $2500, so I went ahead and hit the luv button and got a $7500 increase. The maximum amount I've spent with this card is less than $100 since I've had it. Penfed can grow fast.I have 2 cards with penfed, When my PCR turned 1 year old right after i paid off a bt i requested a cli and got 2500 instant, 7500 - 10000. A while before that M SMART had posted that the optimum time to ask for a cli on a penfed card is after 1 year. I plan to ask for a cli on my gold card 7500 cl in december, the card will be 19 months old ...Inspired by our command line monthly calendar post, reader Nate writes in with the yearly edition. Enter this at your Mac's Terminal command line (or in Cygwin on Windows), no line breaks: Inspired by our command line monthly calendar post,...The next major "purchase" for me will be to refinance my house at the beginning of 2017. With only having 5 INQ on EQ, I decided to take a HP and request a CLI. It was instantly approved for $17,000. $7K CLI for HP on EQ, I will take it. I will definitely request another CLI on my Penfed Visa Re...I was originally declined by PenFed for a CLI and submitted a letter of reconsideration. I was approved for a $2,000 CLI bringing it to a total CL of $5,000! Plus, I got an APR decrease without asking. The APR was decreased 6.50%, from 13.99% to 7.49%! Last Wednesday, Nov. 27th I was approved for ...Also, I did a CLI request on my Penfed Power Cash Rewards. Nada! So, I used the HP to apply for the Gold card since I've read some have been turned down for CLI but approved for a new card. Not instant, but I did get a message to send them last two paycheck stubs, and the message says premilinary approval or something like that. So, we'll see.Received my Power Cash Rewards card by FedEx yesterday. SL $2k and at 17.99%. Logged on this am and saw the luv button staring me down. Pulled the trigger and went for review. Figured it was a no go since the card was literally activated at 6pm est last night. Logged in to the PenFed app and ch...Lots of other posts on this topic on myFICO. If available to you, you'll see $15k for an auto loan, $10k for a motorcycle loan, etc. If you see a credit line offer for the card you already have, you can accept it, choose it as a CLI instead of a new card, and it will not be a hard pull. I just did this last week, got a $5,300 bump.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.Recently was approved for the card. Limit is doable but as I'd like to have the card be my primary I wanted a cli asap. My daily drivers w each of the major issuers are north of $50k limit each. Penfed approved $10k Anyway, my total balance across all cards on my EQ was under $1k. Yet denied incr...Apr 4, 2018 · I'm still debating whether to try again this week; Penfed keeps hard pulls around for anywhere from 30 to 90 days so another CLI request or other credit app during that time won't trigger a new HP. I've been hoping to get my PCR up to $10k to match my QS visa but if Penfed is tightening the purse strings, well... Penfed CLI Declined. Today I decided to try for a CLI on my Penfed PowerCash Card. First I did the prequlify just to give me a gauge. It came back preapproved for a new card at 20K so I took the pull and went thru with it and it came back declined. I contacted them and they told me it was for number of accounts and utilization of accounts.I applied for a CLI from 5K to 10K with Central Credit last week and just never heard from them. Finally got in touch today with a - 6247833 ... Penfed 7.5K. WF Cashwise 2K. CCU CLI from 5K to 10K. And 1 beautiful new to me shiny black F250 in the driveway. ... FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are ...I'm utterly ecstatic right now! :smileyvery-happy::heart: I know this isn't the biggest limit ever, but instant approval from 500 to - 4990056 - 2CONGRATS @dudefromtx on your PayPal MC CLI, it will grow FAST!! ... PenFed Power Cash Rewards VS $7.5K Total CL - $284K+ Message 2 of 29 12 Kudos Shooting-For-80 0. Senior Contributor Mark as New; ... All FICO ® Score products made available on myFICO.com include a FICO ...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.Hi all, So I have had my PenFed account since May (Visa Rewards) but they only started me with a limit of $9,500 - My USAA MC is $24k and - 722570 ... myFICO® Forums. Sign In Help. ... Credit Cards; PenFed CLI?1 year banking with Penfed. Started out 10k limit on cc and a car with them. Joined 5.5 years post bk. 2 accounts were showing inc in bk, now only 1 showing incl. Overall uti is 5%. Only 1 account showing13% uti. 1 acct opened in the last year, 5 months old. 2 inq in last 2 years, 1 being theirs a y...Penfed CLI Estimate your FICO ® Score range Estimate for Free John95 Member 05-30-2022 03:09 AM Penfed CLI 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 together? How much does usually Penfed increase? Thank you! Message 1 of 11 18 Kudos All forum topicsMay 16, 2017 · 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 - 4950380 I opened a savings account with PenFed in March to get started on a relationship with them. This morning they sent me an email with CC info - 6537667 ... got an email yesterday from Ollo with an auto CLI from $600 to $1500 on my Visa. ... All FICO ® Score products made available on myFICO.com include a FICO ...Happy Monday to me (and you too!!)!!! I checked my PENFED account today just to see if my FICO score had updated and saw that it did and that I finally had offers for pre-approved cards or a credit limit increase on my existing Power Cash Rewards card. I took the CLI, from $10K to $35,600 with a 797 FICO 9 score.Called in today and asked for a CLI on the Travel Rewards Amex Credit line was 5k asked for an increase to 20k They countered with 9k !! - 4749480 ... myFICO® Forums; Types of Credit; Credit Card Approvals; Penfed CLI; Options.Ive been lurking on Reddit. :) Since This summer when I fought for the PenFed promise on recon, ive opened the A+ for $6k and AX Plat 75K sign on. Otherwise, just being. Decided to ask PenFed for my $1k Total CL Promise for the first CLI. Yay! UTL 5% overall, highest balance 5% on single card. ...It's been seven months since I joined PenFed. I had joined very fresh during the rebuild process. I took the plunge just now and requested a CLI on my PowerCash Visa, and they bumped me from $1,500 to $7,500, with instant approval and the option to do balance transfers. That's with a utilization o...Re: PenFed CLI (Thrifty Credit Service) @KennyRS wrote: So, since I'm still in the garden and really have no intentions of leaving for a while I decided to call up PenFed and ask if with the offers I've received, can I do the pre-approval for the thrifty credit service as just an increase on my current account.Late reporting this but around March 24 or so I applied for the personal SPG to take advantage of the 35K offer that ended on March 30. - 4531761I 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 ...PenFed Gold CLI. Requested an increase on my PenFed Gold card which has seen 0 use whatsoever. Approved for 12.5k (2.5k increase). Not bad for a card that gets no use and with all the other changes I have been making on my reports over the last month or so. FICO 5 ,4, 2 - 5/2023 FICO 8 - 6/2023 FICO 9 - 5/2023 FICO 10 - 5/2023. My Platinum Rewards card was increased from $10K to $12.5K after getting an increase on my Power Cash. Platinum has a 70% UTL so it took about 3 requests before approving. Excited to see what I get on my Pathfinder when that 6 months comes up. And of course one hard pull.First SDFCU and Now Penfed Great CLI. Requested a general CLI via the link. Nothing saying pre approved and it gave me a Watch out for an email requesting more info alert at first. BUt then about 1 hour later it said Approved via email and the application was updated. 5k to 12.5k so a 7.5k CLI!!!!!Hello gents and gals. I was checking my PCR as usual and saw that the "request credit line increase" link had finally appeared. I said f it and went for it. Got approved for a $4500 increase. CL is now at $6500. EQ Fico 8 as of 4/2 was 672 but Penfed EQ Fico 9 has me at 710 from 2/28. No HP notifi...Today 7/1 is my 6 month anniversary with Penfed :) I have been good for the past 6 months staying in the Garden. Alot I mean ALOT !! of - 6360649 - 2I've searched their site, the app and this forum and can't find anyting about how to request a CLI. I have two cards -- PenFed Platinum Rewards Visa and PenFed Promise Visa and was going to ask for a CLI on both since it's been over a year since my last one. ... Take the myFICO Fitness Challenge. AZE7 - 11% Utl - 29 days until 4/24 ...who i burned - chase, cap 1, TD bank, Sync, were the biggies. Income 39k. Total utilization around 20 pct depending on my current usage/needs. Ficos in the 680 - 690 range, the 9's slightly higher than the 8's. My vantage scores 708 - 711. TCL - about 107k. Retired since 2017. Retail cards. Message 1 of 3.Ok im in one of those moments we all come across sometimes in this zany credit world. Perhaps someone will talk me off the proverbial ledge, though it may be too late (youll know why by the end of baby rant ,lol) So since im in process of having my Equifax issues fixed once and forall, i figure whi...I started off with Penfed PCR with a low $1500 limit , not surprisingly do to my scored at the time. Well with today being my 6 month anniversary are scores going up and up in the right direction this time. I decided to come out of the Garden and REQ a CLI. To my surprise, the screen timed out on me ( Reload Button ) still timed out.Got the card on April 20th, so today is 77 days. Hit the CLI link, and it went to review. Less than an hour and got a bump from the opening line of $4K to $10K, a $6K increase! Woohoo! As a datapoint, I've put $2149 through the card since I got it, paying as I go. This puts me only $450 away from th...I opened the PCR a year ago. After feeling good about the FNBO, I called PenFed and asked about a CLI. They had me verbally verify my address, employer, and income. She hit the love button and BAM! Congrats on your new CLI of $7,500! This doubled my original SL of $7,500 to 15K. I had 2, now 3 IN...Are PenFed's CLI's soft inquiries? I had the card since August and now want a CLI. Is it too soon? - 637390Got the card on April 20th, so today is 77 days. Hit the CLI link, and it went to review. Less than an hour and got a bump from the opening line of $4K to $10K, a $6K increase! Woohoo! As a datapoint, I've put $2149 through the card since I got it, paying as I go. This puts me only $450 away from th...Mar 29, 2021 · Re: PenFed CLI. Unfortunately, they no longer merge or combine accounts. Getting to $25K might take some time all things considered and profile-dependent. Since …I was approved for the Penfed Promise on 6/20/15 with a $3,000 SL. I know everything that you apply for during the 2-3 month approval results in SPs from the orignal HP. There is a CLI request button next to the Promise card I have on the "products & rates" tab. I was wondering when I should take ad...Both of my NFCU and Penfed cards will hit 90 days next week. When should I try for my first CLI? I have GoRewards @3300 & Penfed Siggy - 5238866 - 2Sarah Bilkins, WalletHub Credit Card Analyst. You can get a PenFed credit card credit limit increase either online or by calling customer service at (800) 247-5626. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income PenFed ...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...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 ...Just hit the love on PenFed Power Cash and was instantly bumped from $17,500 to $20,000. Hit the love on my Pathfinder Visa (limit is $17,500) as well as applied for a new Visa. Received notice that I reached PenFed's cap. Thought it was like $50,000 total. I was at $35,000 and I am now at $37,500. ...1 year banking with Penfed. Started out 10k limit on cc and a car with them. Joined 5.5 years post bk. 2 accounts were showing inc in bk, now only 1 showing incl. Overall uti is 5%. Only 1 account showing13% uti. 1 acct opened in the last year, 5 months old. 2 inq in last 2 years, 1 being theirs a y...Hard pull, i beleive all penfed requested cli's are hp, the rare auto cli is sp but i can only remember 1 or 2 people posting about sp auto cli's from penfed. { BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor ...I saw that the credit line increase button was on my account and pulled the trigger and scored a $4,000 CLI on my Penfed Gold Visa card bringing my CL to $7,500, the same as my PCR. It took a while to show up in the account because they had some issue on the back end, but it's there now. I applied f...PenFed 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 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 - 2I haven't been able to find the love button. I did use it few months ago. Where is Penfed love button? - 6227481 - 4So while I had applied and was approved for a $11,500.00 CLI on PenFed PCR Card. $33,500.00 + $11,500.00 >>>> $45,000.00 NEW - 5970114 Skip Navigation How It WorksI 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 - 4I started off with Penfed PCR with a low $1500 limit , not surprisingly do to my scored at the time. Well with today being my 6 month anniversary are scores going up and up in the right direction this time. I decided to come out of the Garden and REQ a CLI. To my surprise, the screen timed out on me ( Reload Button ) still timed out.I have 3 Penfed cards of each 12K limits. Applied for CLI for one of them after seeing a post that they might be doing SP CLI. And was instantly approved for a CLI to 17,500. Applied for CLI for the other two card, went into review. They may eventually reject the other two.Wow, I almost fell off my chair on this one LOL I got approved for the promise visa at the end of august for 2.5K. I decided to PC it to the cash rewards card shortly after and that was successful. Today after using the card every week and PIF I decided to request a CLI. Approved for 20K!! EQ is...Re: PenFed CLI Help Needed! @AHumdy wrote: I just can't get them to grow. It's stuck at the starting limit; $2,000. I've tried twice. The account is about 18 months old. My scores are 750+ across the board. Utilization is 1%. I owe less than $1,500 on one account with a $35,000 limit.Oct 13, 2023 · Re: Penfed CLI question. I have two Penfed cards with starting limits of 15,000 each. Neither have ever received an auto CLI, and I've never requested one because of the hard pull. I've heard somewhere on this forum their max card exposure might be 50k total. Not sure if this is accurate. They have two other cards but I decided not to apply for ... Penfed CLI Declined. Today I decided to try for a CLI on my Penfed PowerCash Card. First I did the prequlify just to give me a gauge. It came back preapproved for a new card at 20K so I took the pull and went thru with it and it came back declined. I contacted them and they told me it was for number of accounts and utilization of accounts.I opened a savings account with PenFed in March to get started on a relationship with them. This morning they sent me an email with CC info - 6537667 ... got an email yesterday from Ollo with an auto CLI from $600 to $1500 on my Visa. ... All FICO ® Score products made available on myFICO.com include a FICO ...Hi Guys, Just want to share ... I app'ed about 2-3 hrs ago for a request for CLI for my Platinum Rewards Visa and I got approved for $9,500 CLI! wooot! woot! ... Didn't expect that much of CLI from Penfed since I am just about 43 days from opening the card. Almost 3X my SL. My SL is $5,000 and now...Oct 6, 2023 · Find out how in this article. Log in to PenFed Online. Find your credit card and click More. From the dropdown, select Request Credit Card Line Increase. Complete the application. You may not see the option in certain situations, such as if you recently opened the credit card account or are already at the card's maximum credit limit. Submitting ... For about the last two years, PenFed has been capping credit limits on newer cards at $25K each and an aggregate of $50K total. (Prior to that, a member could have TCL of $50K, either on one or multiple cards.) I had discussions yesterday with both a Customer Service Representative and a Supervisor and they confirmed the $25K/$50K …PNC Cash Rewards. Applied for the PNC Cash Rewards for today. EX 775 , 6% UTI , Income Stated: 200K HHI , Application approved for 2500.... I was given the option of withdrawing the application with out the new account reporting. Was not able to recon , underwriter said it all system generated and i could wait 6 months and ask for cli.Whatever that means. I would guess due to the virus situation who knows. I had to call and take a HP to manually get a CLI. Some people if they are luckey will still get an offer for an increase the good way by quarterly offers I have never ever gotten one that way. Such is PenFed.+$5K PenFed CLI! Received a BT promotion of 0% APR for 12 mos or 0.99% APR for 18 mos (w/ 3% transfer fee) in the mail. I've currently been actively looking for a good BT card to pay off my AOD, so I'm extra happy I don't have to add a new account to my credit age b/c NFCU did me dirty with only a $3K approval on their Platinum. I decided to apply for CLI on my Cash Rewards. It was $1k limit from August 2014 and my Promise card was approved a few days ago for - 3889050 - 3 ... myFICO® Forums; Types of Credit; Credit Card Approvals; Penfed Cash Rewards CLI!During rebuild journey, opened PenFed checking and savings account in July 2020 in hopes of soon getting their PCR card. Put in an ill-advised app for it in August 2020. Denied. Got my scores up some in the following months. Saw some approvals in this forum with scores around mine but not quite as l...I opened my Penfed Power Cash Visa 7/3/18 and waited one month to hit the luv button (today). Automatically approved for a $500 increase - 5317704 ... myFICO® Forums > Types of Credit > Credit Card Approvals > PenFed "AJC Special" CLI (SP) Options. Subscribe to RSS Feed ...Re: Penfed CLI If you didn't have any pre-approved offers during the quarter for a credit line increase, then they likely did a hard pull on your credit. And yes, that credit report stays on file for any apps for the next 60-90 days.I haven't been able to find the love button. I did use it few months ago. Where is Penfed love button? - 6227481 - 4Aug 20, 2017 · Reopened my checking account with penfed last month and got a $500 overdraft line of credit. I thought it was gonna be the same hp if it's within 90 days for any products so i requested a CLI on it. Got declined and also got a hp =/ Re: Penfed CLI 💳🥂🍾. It's been 6 months since I opened the account with an initial limit of $2500, so I went ahead and hit the luv button and got a $7500 increase. The maximum amount I've spent with this card is less than …PCR was approved in 12/2018. It was originally denied but got approved through email recon for 10K with APR 17.99. I believe my Fico 9 - 6160184 - 2Jul 17, 2023 · Capital One: Platinum MC - CL: $600 (they won't give me a CLI); Credit One: 2 cards with $1,500 & $2,200 CL Prosper: $1,400 Goal Cards: Chase Sapphire, WF Autograph and PenFed Platinum Rewards Car Loans: 1 loan. Car: 2023 Audi A4 SLine Paid off: VW Financial Services: 2020 Jetta Exeter Finance: 2015 Jetta My partner has the Penfed Promise approved for $5k I don't know (less than 6 months back) He received a spend $1000, get $100 cash back - 4345216 ... myFICO® Forums > Types of Credit > Credit Card Approvals > Penfed CLI; Options.Penfed offered me a CLI for credit card last week. I didn't decided until today. I didn't take the max amount of pre-approval (up to $21.4K). I didn't want to get denial. I only accepted the amount $7800. I chose my Penfed Rewards Visa Signature Card for the limit increase. It only got $5K. I got ...Yes it's a HP unfortunately from EQ. So after a year I finally saw a link for Request for Credit Line Increase and click on it. Fill out all the info they are asking. Auto Approved for another 10K. Total Credit Limit is now 17.5k. I used this card for Costco and was carrying a balance as well. ...Ok im in one of those moments we all come across sometimes in this zany credit world. Perhaps someone will talk me off the proverbial ledge, though it may be too late (youll know why by the end of baby rant ,lol) So since im in process of having my Equifax issues fixed once and forall, i figure whi...This question is about the PenFed Power Cash Rewards Visa Signature® Card @CLoop • 07/07/22 This answer was first published on 07/07/22. For the most current information about a financial product, you should always check and confirm accurac...Re: Penfed CLI process question. @805orbust wrote: @Cashbackjunky I did but I chickened out. I took out a car loan with them in June to buy a new minivan for my oldest daughter and her useless husband after they had child #3 in 4 years. (Having that unsigned Penfed check made it SO much easier to shop and close on the fly) It was still …

Hello All, I have tried asking this question a couple times but no answer, so I thought let me try again through a new post. My PENFED - 736378. F 03 fireguard practice test 2023

penfed cli myfico

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 ...I started off with Penfed PCR with a low $1500 limit , not surprisingly do to my scored at the time. Well with today being my 6 month anniversary are scores going up and up in the right direction this time. I decided to come out of the Garden and REQ a CLI. To my surprise, the screen timed out on me ( Reload Button ) still timed out.I started off with Penfed PCR with a low $1500 limit , not surprisingly do to my scored at the time. Well with today being my 6 month anniversary are scores going up and up in the right direction this time. I decided to come out of the Garden and REQ a CLI. To my surprise, the screen timed out on me ( Reload Button ) still timed out.Reopened my checking account with penfed last month and got a $500 overdraft line of credit. ... Penfed Thrifty CLI hard pull? ... hp if it's within 90 days for any products so i requested a CLI on it. Got declined and also got a hp =/ Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: …I've been a member with PenFed for about 4 years and have been declined for numerous products through the years. After seeing what - 6482233 ... apply for a CLI. It'll be another hard pull, but what they've been giving lately is worth the pull. ... Take the myFICO Fitness Challenge. AZE4 - 8% Utl - New Accts: 1/6, 2/12, 5/24. Message 8 of 15 …Feb 2, 2021 · PenFed CLI Application Processing. Last week, I responded to a $17500 CLI offer on my PenFed Power Cash Rewards Visa. The CLI would result in a SL of $26250. …Hello gents and gals. I was checking my PCR as usual and saw that the "request credit line increase" link had finally appeared. I said f it and went for it. Got approved for a $4500 increase. CL is now at $6500. EQ Fico 8 as of 4/2 was 672 but Penfed EQ Fico 9 has me at 710 from 2/28. No HP notifi...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 waiting closer to 9-12 months unless they preapprove you from a SP review. Message 6 …I'll never understand these excessive hard pulls. I burned one EQ ro get the card, I can't fathom burning two for an increase. This is insane. Thank you, I'll definitely heed your warning.750+) Most PenFed credit cards require an excellent credit score (750+) for approval. A few are also designed for people with good credit (700-749). My credit score is 651. I have two accounts in collections. My total available credit is over $40,000 and my utilization is less than 1%. Income $180,000.Whatever that means. I would guess due to the virus situation who knows. I had to call and take a HP to manually get a CLI. Some people if they are luckey will still get an offer for an increase the good way by quarterly offers I have never ever gotten one that way. Such is PenFed.Dec 2, 2015 · I was originally declined by PenFed for a CLI and submitted a letter of reconsideration. I was approved for a $2,000 CLI bringing it to a total CL of $5,000! Plus, I got an APR decrease without asking. The APR was decreased 6.50%, from 13.99% to 7.49%! Last Wednesday, Nov. 27th I was approved for ... .

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