@Appleman wrote:
Awal, congrats on the approvals. You may want to consider applying for the PenFed PLOC as well. Should not be another HP, they should use the first pull. My PLOC is at a lower interest rate than my NFCU Navcheck.
Not trying to push you into getting another tradeline but this would be a good time if you do need the PLOC.
Thanks Appleman..
Actually got 2 HP from PenFed which the 2nd one I actually disputed with EQ. I even called PenFed and has no ideal why I had 2 HP since they have been pulling the one and only HP they pulled during the membership.
Not trying to abuse them. I went to appd for the Promise Card as well, unfortunately I got denied. Its ok, no HP anyways also I don't really need any more cards I was just trying my luck since they have an HP on me already which I was told is valid for 30 days for all their products.
Also I understand the denial.. I mean getting 7.7% APR on the Auto Loan because of debt to income ratio was already understood that I don't think they would be giving me more credit anytime soon.
So I spoke to the Auto Loan Rep and was told my rates depends on my Bargaining skills with the dealership. If I can get the vehicle at cheaper price and not utilize the full 33K loan approved, my APR rates will definitely go down.
