I want to thank @baller4life for all the help and guidance this last few days. Also this forum, and everyone here who contributes, provides feedback, you can never stop learning and it's why I love the myfico Forum. I called PenFed Member Services and asked for a supervisor. Explained why I needed the higher CL (short term BT to them) and typical spend on credit card(s). I did point out the current high limit (TCL with CapOne of $26,000).
PENFED PLAT REWARDS SIGNATURE VISA - $5,000 TO $15,000 - I HAVE NOT RECEIVED THE CARD YET!
***EDIT ---- DATA POINTS FROM MY INITIAL APPROVAL POST***
APPROVED FOR $5,000 SL @ 13.24% - really needed $10K so will try survey / call back and speak with them about why.
EQ Stats:
FICO 08: 690
PENFED NEXGEN - 707 *just got the secure message rate/risk pricing disclosure
FILE AGE: 15y 8m
AAoA: 2y 4m
POI:YES - requested last 2 pay stubs ( I uploaded the last 6 so they could see a bigger picture )
UTIL: 6%
INQ's: Last 12m / 6m = 10 ( 5x in May for CC's ) ( 3x in June for Auto Loan) ( 1x in June CC ) ( 1x in Sep for CLI )
New Accounts Last 12 months: 12 Reporting (1 more about too)
March = 1
April = 1
May = 9
June = 1
Aug = 1 *this is not reporting yet, just cycled so will probably show up next day or so ***Edit yep it showed up today 9/27 on EQ
Baddies:
2 Tax Liens (2010)
2 Derog Student Loan TL's Closed 12/2014 (Rehabbed and new TL's from Nelet are 100% on time and backdated to 9/2013)
Highest CC Line @ time of app = $16,000 (CapOne Venture)