So after hours of reading the massive Penfed thread I decided to test my luck and app for the platinum rewards visa siggy. I got the referred to loan officer message. I read a little more and it looked like people had better luck with the Amex card so I app'd for that as well. Got the same message. This was all at around 10pm last night so I logged in this morning to check the status and Amex had been approved for 16,500. Visa was still pending so I called in to CS and asked about the status. She asked what my interest was in the card and I said I wanted to BT about 20,000. She put me on hold and came back after about 5 minutes and said I was approved for 5k.
I was kind of hoping to get a similar or higher limit then the Amex so when I do BT I'm not maxing out the cards. I've heard people have had success with CLI's with the survey which I got prior to the cc's being approved. Is this the right survey or will I get another one?? I'm not sure what my EQ score was at the time either but CK has me at 680. I have no baddies, 4 1/2 years AAoA and 5 INQ's on my EQ. My ultimate goal would be to get the visa up to 16,500 and combine limits then do my transfer. Any suggestions or advise on how to recon would greatly be appreciated.