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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Joined PenFed yesterday!!

I was in the garden after getting my BCE, CSP, and Paypal Extras MC.  I decided to join PenFed after reading about it in this forum.  I also apped for their Cash Rewards credit card for the 5% back on gas.  I was approved with a $20,000 dollar limit!!!!!!

 

 
Summary
Congratulations, your application has been approved.

Credit Limit: $20,000

 

 

 

 


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Joined PenFed yesterday!!

Congrats! How many inqs did you have when you applied?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Joined PenFed yesterday!!


jsickz32 wrote:
Congrats! How many inqs did you have when you applied?

8 inquiries, but only 5 in the last 6 months.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Joined PenFed yesterday!!

They pulled eq?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Joined PenFed yesterday!!


jsickz32 wrote:
They pulled eq?

Yes they did pull Equifax.  I was a little worried because I've opened a lot of accounts in the last 6 months.  They didn't ask me for any pay stubs, although I was prepared to send them.  It wasn't an instant approval because I have a fraud alert on my reports.  After speaking with a CSR this morning, it was approved 5 minutes after.  I logged in and had to electronically sign documents and that was it.  The computer originally selected the $20,000 number, not me.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Joined PenFed yesterday!!

Congrats again. I was denied with 4 inqs when i applied back in july.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012

Re: Joined PenFed yesterday!!

Congratulations.  Why cash rewards rather than Plat Rewards though?  That gives 3% on groceries as well as the 5% on gas.  (And unlike BCE, is uncapped)

Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Joined PenFed yesterday!!


jsickz32 wrote:
Congrats again. I was denied with 4 inqs when i applied back in july.

What was the reason they gave?


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Joined PenFed yesterday!!


bs6054 wrote:

Congratulations.  Why cash rewards rather than Plat Rewards though?  That gives 3% on groceries as well as the 5% on gas.  (And unlike BCE, is uncapped)


Hmmmm....good question.  Do they let you switch?  Since I just got the official approval it's not like they made the card already.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Joined PenFed yesterday!!

That's a nice approval congratulations!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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