Credit Card Center Advertiser Disclosure

New Contributor
Posts: 59
Registered: ‎08-09-2012
0 Kudos

How long should I wait before sending in another app......

So I had a the case of the itch fingers last month and some new TL to the my report. I read about the WFFNB pre approval at check out with on HP so I got trigger happy and added


Express 250

J Crew 250

KingSize 250


also added


Walmart 500

Amazon 600

Kays    2000


Cards already had


Cap1          300 CLI in July 500

OB/ CAP1 1500 (secured)

Target         600 

Applied for Best Buy but was denied due to too many new accounts.


I opened a PenFed account before I researched how strict they were last month. So I am planning on applying for one of their cards with in the 90 period. My question is will they only use my report from august or will they SP a current report? 

I want to apply for a Barclays (Apple) card (yes I am a Mac junkie)  in December 2012 it seems like they are pretty easy on you and it will force me to stay app free for 6 month. Then I can apply for the AMEX


Let me know if I am dreaming or could this work...

FICO EX 811, EQ 815, TU 821
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0 Kudos

Re: How long should I wait before sending in another app......

Penfed won't pull another report for you within the 90, but, to be blunt, there's no way you're going to get an approval from them right  now.


On the other hand, you may be able to get yourself in with Amex with the Zync.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.