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OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Frequent Contributor

OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

I ALMOST SPIT MY COFFEE OUT!!

 

So earlier I posted in the rebuilding forum about my many recent denials since rebuilding.

 

I decided to open up another savings account for my daughter today and had no intention of applying for anything. After being asked by the rep if I wanted to app for anything, I said "sure why not".., since I was about to hit the garden for about a year I figured may as well give it one last shot. He added all my info and said "hold on while I get a LO to view your app" followed by "nevermind, you got instant approval 9K @ 14.49" !! Let's say I was beyond shocked.

 

this may not be a big deal to most, but this is my first Major CC

FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 1 of 42
41 REPLIES
Established Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Woot-Woot! This is a great credit union and a solid starting line -- don't sell yourself short! Congrats on the Big Win!!

AmEx l BoA l Chase l Citi l Discover l Fifth Third l FNBO l NFCU l PenFed l Synchrony l USAA l US Bank l 10/01/17 FICO EQ 759, EX 755, TU 783
Message 2 of 42
Established Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

It is just so wonderful, so beyond words, whenever you get something you weren't expecting.

 

A WooHoo and big Congrats to you. Enjoy!!!!!!!



EX 753, TU 778, EQ 779
|| NFCU CashRewards $16.5K || Discover IT $7.5K || NFCU Platinum $7.5K || Macy's $7.5K || CitiCostco $5.5K || Chase $5K || CitiDC $4.8K ||
Message 3 of 42
Super Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Super congrats ChefDuaneSmiley Happy Thats a fantastic limit and apr. Enjoy your first major, now go buy you and your daughter a treat to celebrateSmiley Happy
Message 4 of 42
Established Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Well done!!

Amex PRG =Amex ED 25k = Amex Delta 2k = Amex BCP 6k = Arrival 7k = BOA 321 25k = BOA BBR 5k = CSR 20k = Freedom 10k = Marriott 5k =Ritz 5k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 11k = CAP1 QS 15k = TR Visa 8.5k = NFCU 24k/CLOC 15k = BBVA 10k = Wells Plat. 5k = US Bank Cash+ 11k

FICO scores TU 764 EX 739 EQ 745
Message 5 of 42
Frequent Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Thanks guys! Super pumped. It's a big upgrade from Credit One.

@averagejoescredit for sure lol. It's kinda hard to buy my daughter something when she literally has everything
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 6 of 42
Super Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Lol, but does she have a HUG? Smiley Wink

.....sponsered by PenFed and provided by DADSmiley Happy
Message 7 of 42
Regular Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!


Chefduane wrote:

I ALMOST SPIT MY COFFEE OUT!!

 

So earlier I posted in the rebuilding forum about my many recent denials since rebuilding.

 

I decided to open up another savings account for my daughter today and had no intention of applying for anything. After being asked by the rep if I wanted to app for anything, I said "sure why not".., since I was about to hit the garden for about a year I figured may as well give it one last shot. He added all my info and said "hold on while I get a LO to view your app" followed by "nevermind, you got instant approval 9K @ 14.49" !! Let's say I was beyond shocked.

 

this may not be a big deal to most, but this is my first Major CC


I started out with one card only $800 CL and many years later I'm finally part of the 100k Club so I'm proof it can happen. Congrats! Smiley Happy

Total CL $101,655 w/PayPal Credit In the garden until 2020. Smiley Happy
Message 8 of 42
Established Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

Congrats Smiley Happy

you might don't think it's a big deal to us all but we ALL can remember the time we got our FIRST big boy credit card Smiley Happy I know I can Smiley Happy

Message 9 of 42
Regular Contributor

Re: OMG.. PENFED 9K APPROVAL!!!!!!!!!!!!!!

May I ask how you managed to raise your scores so quickly? I started by rebuild around the same time you did with around the same scores, and I'm stuck right at the 600 mark on all my scores (slightly above or below). I've been denied for everything under the sun. LOL

06/2017 FICOs: TU: 542 EX: 538 EQ: 528
07/2017 FICOs: TU: 564 EX: 564 EQ: 559
08/2017 FICOs: TU: 598 EX: 597 EQ: 584
09/2017 FICOs: TU: 621 EX: 615 EQ: 608
09/2017 FICOs: TU: 633 EX: 620 EQ: 608
Message 10 of 42