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If you have questions about an existing credit card account with Pentagon Federal Credit Union (a WalletHub partner), the PenFed credit card customer service number is 1 (800) 247-5626.The ratio between the unpaid principal amount of your loan, or your credit limit in the case of a line of credit, and the appraised value of your collateral. Expressed as a percentage. For example, if you have an $80,000 first mortgage on a property with an appraised value of $100,000, the LTV is 80% ($80,000 / $100,000 = 80%). Lock periodAMEX - Normally soft pulls but may HP or ask for IV or FR. Wells Fargo may CLI on soft pull but they ask if you will accept HP. Length of Credit > 35 years; Total Credit Limits > $600K. 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