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I dont know if I can apply for an AMEX or a PenFEd

Established Contributor

I dont know if I can apply for an AMEX or a PenFEd

Hi My FICO is 650 pulled today

my wallmart TU is 663, but Karma says 573.

 

I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months

 

I recently got approved for a capital one platinium for $500 

 

Should I wait? how long?

 

 

 

 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 1 of 12
11 REPLIES
Regular Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

You should take care of the baddie and wait at least a year. Also stop applying.
TU 746 (10/13)
GOAL: 750+






Message 2 of 12
Valued Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

PenFed pulls EQ and AMEX usually pulls EX, but if you are borderline they will pull sometimes all three.

 

I would garden, let your new accounts and baddies age. 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 3 of 12
Super Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

Definitely garden those cards. Let those inquiries start to fall off. Penfed is supposed to be very strict.
Message 4 of 12
Valued Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd


zerobacan wrote:

Hi My FICO is 650 pulled today

my wallmart TU is 663, but Karma says 573.

 

I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months

 

I recently got approved for a capital one platinium for $500 

 

Should I wait? how long?

 

 

 

 


Which is it?

 

8+ or more?

 

Stop applying or they will see some impulse control issues.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 5 of 12
Established Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

Thanks guys for the info!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 6 of 12
Valued Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

Put a freeze on all 3 CB.

No more apps .

Wait til your score hit somewhere around 680+

One last thing take carre your baddie and stop fill out new applicationnnnnnnnnnn.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 7 of 12
Regular Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

Penfed is strict and you will probably need a 720 with them

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Message 8 of 12
Established Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

My plan is to apply to a couple cc and then garden for a year, I applied o amex and got denied, I will use the backdoor number for it and give it a last try.

 

when I said baddie i meant a late in one of my cc, not a collection oops Smiley Happy

 

Thanks for the info guys!!!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 9 of 12
Established Contributor

Re: I dont know if I can apply for an AMEX or a PenFEd

your not listening to anyone at all. its going to be a first premier card for you. Thats about it at this point. YOu need to settle down for 6-12 months.

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 10 of 12