Established Member
Posts: 17
Registered: ‎08-09-2012

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...

Beginning Scores 470
Current Scores - 04/04/2013 FICO TU 700 EQ 689
Lender Pulled EX 700
GOAL 2013 all over 720 and AMEX
Cap1 500 & 1500 Walmart 900 Amazon 1400 Target 600 Kay's 2000 WFNNB (multi) 1750 Oldest card 15 years Aver 2 years
Established Contributor
Posts: 504
Registered: ‎08-28-2012

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.

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