chnceit Tracker

Re: PenFed Personal Line of Credit

chnceit — Sat, 16 Mar 2013 20:48:10 GMT

PenFed uses one credit pull for all credit products. But PenFed could be bipolar because they could deny someone with a high FICO and "too many inquiries" while approving someone with a lower FICO. But I was approved for a personal LOC and CC with them this year with a FICO about 720-730.

Good luck and keep us posted if you decide to apply!

Read here about people who got denied or approved with PenFed http://ficoforums.myfico.com/t5/Credit-Cards/PenFed-Credit-Union-APP-results-and-FICO-SURVEY/m-p/476304/highlight/true#M155505

Re: Mini-Spree?? Success!!!

chnceit — Sun, 10 Mar 2013 21:56:30 GMT

Congrats on your approvals!

Re: First post, first spree, first steps

chnceit — Sun, 10 Mar 2013 21:55:42 GMT

Welcome to forums and congrats on your approvals! Since you are headed in the right direction so take a stop in the garden to let your cards grow! Too much apps in a short period is not good.

Re: Pre-Approvalsl - it feels good!

chnceit — Sun, 10 Mar 2013 21:54:00 GMT

It is nice knowing someone is watching you :smileywink:

Re: Cleaning out the Garbage

chnceit — Sun, 10 Mar 2013 21:52:42 GMT

dodgeball wrote:
I know that everybody says you shouldnt shut down lines of credit! But to be honest I cant stand having these toy limit cards or cards I just have no use for sitting around. So in the next week I will be closing my BofA account and Barclays, What are peoples thoughts on this.

Honestly I kicked some of my cards to the curb and they didnt have AF's just they did not grow! So dont be afraid in closing some of them. You might lose some points and might not if your utilization is low and handle th loss limits then do it!

Re: Garden Club Meeting - March 2013

chnceit — Sun, 10 Mar 2013 21:50:39 GMT

Yay! I am still in the garden and cant wait till I get my silver spade!

Re: Got my Amex BCE today, it's beautiful.

chnceit — Sun, 10 Mar 2013 02:48:53 GMT

Request it with pay pass then its soo much more nicer!

Re: I'M ON THIS SITE LIKE ITS THE NEW FACEBOOK!!! LOL

chnceit — Sun, 10 Mar 2013 02:47:31 GMT

Trust me I know! This is why I had to go away for a little while so I dont app! Its not healthy! LOL

Re: Has anyone received any AA lately?

chnceit — Sat, 09 Mar 2013 18:16:54 GMT

Nope not me.....

Or AA means addiction anonymous then yes count me in :)

Re: Suggest Credit Cards for Equifax Score of 690

chnceit — Sat, 09 Mar 2013 18:15:33 GMT

How about an AMEX charge card???

Re: Anyone successful with a PC from Zync to other Charge product?

chnceit — Sat, 09 Mar 2013 18:04:22 GMT

I haven't tried lately. But call them and let us know :)

Re: Does PenFed close accounts due to new inquiries?

chnceit — Sat, 09 Mar 2013 18:01:13 GMT

Inquiries only hurt your scores for one year, but each lender is different. PenFed could possibly AA you. So dont apply for anything and garden

Re: Multiple cc and store cards with high limits

chnceit — Sat, 09 Mar 2013 03:22:00 GMT

For me yes I use my Amazon store card every other month some times every month. But I pay them off quickly even though their are 0 percent financing options.

It reall y doees help utilization a lot. My Amazon card is sitting at $10K and I dont and will not come close to my limit.

Re: Approved for Discover IT

chnceit — Sat, 09 Mar 2013 03:10:53 GMT

Congrats and treat them well and they will do the same for you!

Re: CITI Upgrade?

chnceit — Sat, 09 Mar 2013 03:09:14 GMT

I use to have the Diamond Preferred CC, but the rewards were blah so I PC'd to Thank you Preferred. But gotta say the Black looking card is nice!

Re: WOW!! Nagging Collection just fell off my EQ, CAN"T believe it

chnceit — Sat, 09 Mar 2013 03:07:11 GMT

Doesnt it feel good!! I was stoked when my final CA fell off and now I can obtain the cards I really want.

Re: Barclays Approved!!

chnceit — Mon, 25 Feb 2013 17:41:00 GMT

Nice congrats! Barclay is awesome with recons!

Re: Chase Hyatt approval - CL wow

chnceit — Mon, 25 Feb 2013 17:40:12 GMT

WOW congrats that's a nice staring CL! Also congrats on your nuptials!

Re: How do I destroy my CSP?

chnceit — Mon, 25 Feb 2013 17:38:59 GMT

Chase sends a prepaid envelope to send back to them for your card to be destroyed because they sent me one when my AU's name was spelled wrong. Just call them or go in to a branch.

Re: Received CSP Today.

chnceit — Fri, 22 Feb 2013 08:12:29 GMT

I love me CSP so much that I want to order another one so I can put a cell phone screen protector so it wont get scratched up again LOL