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So i applied for the Power Cash reward card on 4-17 and was denied. After getting letter shortly after applying (through messages in PenFed main page) I wrote a short but percise reconsideration email and waited. Today I had some free time and decided to give them a call to try and recon my application since i had not received any cummunication from them since writing the letter. I spoke to a very nice lady that said she can see what she can do, and if she i would like she can transfer me over ro a L.O. after waiting for about 5-10mins, lady gets back to me and excuses for taking so long, Apparently she said her supervisor had approved my application for $500.00. (I though, o well at least it's a foot in the door). She said to log into my account in about 5 minutes to complete my application. So short while when by and logged in to complete app. To my surpise I notice application was approve for $7,500 sig. visa. But how i only had a savings (about 9 months old) I figured I would open an access checking (for the 2%) so they opened the checking with a $500 Overdraft Credit Line and that was fine by me. The only badpart is they hit me for another inquiry today beside the one for the 17th ugh. But i guess that was ok after getiing in with Penfed credit
WooHoo!! Awesome! Congrats.....great story......
Congratulations on the great approval!
Could you please let us know your scores? Thanks
my FICO 8 at time of denial was eq:690 PenFed Nexygen 699. Eq had 15 inq, (4 for an autoloan) I have a didmissed BK 4/2014 with no plantif and a $0 amount. (Bk was for my dads house that i was on deed.) It was in the process of modification and had a forcloser sale date. in order to stop date dingbat attorney said i should file bk that it would have no affect to stop sale. That was total BS. Funny thing is bank had already told bank attorney that modification was almost complete to stop sale. Only other derog on report was a leased auto repo 11 months before end of lease in 2010. AAoA is 51 months.
denial letter reason
Bankruptcy filing reported.
Too many inquiries in the last 12 months.
Congrats!
Thanks All! Good luck to you all
Congrats, I got the message last night when I applied and I figured I had gone way too far on this spree. I had also applied for the Ally card and got a 7-10 day message.
Today in my email I got a notice telling me I was approved and to call back and finish my membership application. So I did and afterward I called Ally and checked on that app too. Also approved so I think I really need to head to the garden very quickly.....