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PENFED CLI Strategy - Phone or Online?


The last post in this topic was posted 2538 days ago. 

 

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I found phone to work well.

 

actually reviewed it while I was on hold, albeit for about 45 minutes.

 

and when they came back with $X, I said how about $Y

 

and they went back and talked to the LO right then and got it approved.

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Ultimately results do not really depend on the method used to request. May as well do it online. EQ pull for customer initiated, so waiting for a quarterly preapp is ideal but not guaranteed.

 

No, LOs don't typically interface directly with members at recon.

Edited by virtualtreasure
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I requested a CLI online yesterday and was approved. I called back and asked if an LO could review the amount and the CSR told me the decision was made and nothing could be done. Should I call back and try this again? It seems from what I've read that they can, in fact, reevaluate the CLI.

 

http://creditboards.com/forums/index.php?showtopic=532886&p=5084499

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After my post above I remembered that my first online request was declined. Talk about a poor example of a useful AA letter... http://creditboards.com/forums/index.php?showtopic=514658&p=4877496

 

Second online request a few months later was conditionally approved ($20,000 to something like $24,000). I sent in the requested pay stubs, and they bumped me instead to $35,000.

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