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Denied for card, after speaking with them was told to much credit avl ,dude told me i have 1.4 mill in credit cards and they like to see around 35k in limits on cards, he suggested to reduce my avl credit in order to get their card(yeah right)
He was excited looking at my report for almost 20 min lol.
HP EQ Fico8 850.
@peghede: i have 1.4 mill in credit cards
OMG.
@peghede wrote:Denied for card, after speaking with them was told to much credit avl ,dude told me i have 1.4 mill in credit ards and they like to see around 35k in limits on cards, he suggested to reduce my avl credit in order to get their card(yeah right)
He was excited looking at my report for almost 20 min lol.
HP EQ Fico8 850.
WOW!!!!! Impressive and. WOW!!!! LOL.
Easy m8, i just don't like to get declined for "having to much credit", that's all.oh and yes 1.4 mill is not that much any way i didn't brag about it.
penfed did.
@Anonymous wrote:
No one gives a **bleep** if you have a available credit what you have. That’s not the purpose of these threads and data points.....
Peghede wasn't bragging--he was merely stating what the rep quoted him as a denial reason. And his post actually does serve as a data point: that Penfed can and/or will deny you for too much available credit...I believe they refer to it as "pyramiding". A few other people here on the form have been rejected for a card from them for the same reason.
I'm going to join PenFed in June 2018, once my six months of gardening is up. I want to app for the Platinum Awards card.
Please remember the rules of the forum...FRS. It's okay to have a difference of opinion but it's not okay to be rude to one another. Thanks for your understanding...
I appreciate the response...I just needed someone to talk me off the bridge. I need to be patient and stay in the garden until summer and my scores recover a bit.