Penfed Platinum Rewards VS! 7500

Anonymous · ‎05-17-2015

Got off the phone with Penfed for an Auto Loan which was also approved at lowest rates, Lady on the phone told me there was an offer for the VS Platinum rewards, I asked if it was all the same HP she said yes so I said lets do it! Approved for 7500 @ 9.99 lowest rate! Got some nice rates, get a feeling this will be my primary credit union going forward!

NRB525 · ‎05-17-2015

Nice! Two accounts from one HP!

Well played!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

I-think-I-can · ‎05-17-2015

Nice! Congrats!! PenFed is first on my list when my reports are pristine!!!

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board

B335is · ‎05-17-2015

Congrats!!

Ron1 · ‎05-17-2015

Congrats!!!

Ron.

alextercero · ‎05-17-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

gdale6 · ‎05-17-2015

Grats on your Penfed approval

Anonymous · ‎05-17-2015

Thanks guys feels pretty good! I was going to go for the Promise, definitely jumped on it when the lady told me it was the VS rewards, couple of years ago I had a few baddies from student loans, last late was 28 months ago after moving from another state so one of the bills didnt get to me, really excited to be on the banks and credit unions good graces now and to be trusted financially once more, I went ahead and put fourth an app for a PLOC as well , gonna try to build that relationship with them.

Anonymous · ‎05-17-2015

@Anonymous wrote:
@Got off the phone with Penfed for an Auto Loan which was also approved at lowest rates, Lady on the phone told me there was an offer for the VS Platinum rewards, I asked if it was all the same HP she said yes so I said lets do it! Approved for 7500 @ 9.99 lowest rate! Got some nice rates, get a feeling this will be my primary credit union going forward!

Nice, congrats on your PenFed approval

Anonymous · ‎05-17-2015

Thanks! I was only intending on getting an auto loan to start a relationship never expected to be preapproved that quickly from them. Debt to income is pretty good, utilization is roughly 1-2%.