Reply
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Joined PenFed yesterday!!


chnceit wrote:
WOW! Now that's a nice CL, congrats!

Thanks!  I "chanced it" !! LOL!


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
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Joined PenFed yesterday!!

I know. Maybe they are not as strict about inqs anymore.
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
Posts: 608
Registered: ‎10-11-2012
0

Re: Joined PenFed yesterday!!

[ Edited ]

jsickz32 wrote:
I know. Maybe they are not as strict about inqs anymore.

Or new accounts because most of my accounts were opened within the last 6 months!   After reading about them in this forum, I was worried about that!


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






Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: Joined PenFed yesterday!!

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.

Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Joined PenFed yesterday!!


Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Mine did the same thing, but only because I had a fraud alert on my EQ report.  I had to call them and after the call it was immediately approved.  I never actually spoke to a loan officer.  I also got the EMV chip, which I know nothing about!:womanlol:


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
Posts: 608
Registered: ‎10-11-2012
0

Re: Joined PenFed yesterday!!


Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Ron,

 

did they pick a credit limit for you like they did 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






Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: Joined PenFed yesterday!!


LesWH wrote:

Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Mine did the same thing, but only because I had a fraud alert on my EQ report.  I had to call them and after the call it was immediately approved.  I never actually spoke to a loan officer.  I also got the EMV chip, which I know nothing about!:womanlol:


Congrats on your approval!!!I didn't have EQ fraud alert.  I only had 4 inq on my EQ.  My EQ  FICO score was 801.  I applied over the phone for Platinum Rewards Visa and I didn't get instantly approved.  By the way, EMV chip is for travelling outside of country use.  I have to call them back to setup the pin later on today.

 

 

Ron.

Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: Joined PenFed yesterday!!


LesWH wrote:

Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Ron,

 

did they pick a credit limit for you like they did me?


They didn't pick the limit for me.  They asked me monthly income and other stuff. It came back pending upon approval. No big deal if I get denial. 

 

 

Ron.

Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Joined PenFed yesterday!!


Ron1 wrote:

LesWH wrote:

Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Mine did the same thing, but only because I had a fraud alert on my EQ report.  I had to call them and after the call it was immediately approved.  I never actually spoke to a loan officer.  I also got the EMV chip, which I know nothing about!:womanlol:


Congrats on your approval!!!I didn't have EQ fraud alert.  I only had 4 inq on my EQ.  My EQ  FICO score was 801.  I applied over the phone for Platinum Rewards Visa and I didn't get instantly approved.  By the way, EMV chip is for travelling outside of country use.  I have to call them back to setup the pin later on today.

 

 

Ron.


I set up the pin during the online app.  With 801 and 4 inquiries you are sure to be approved!  My EQ FICO is 734.


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






Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: Joined PenFed yesterday!!


LesWH wrote:

Ron1 wrote:

LesWH wrote:

Ron1 wrote:

I just joined Penfed after I read your post. I also applied for the credit card over the phone and I didn't get instant decision. The application forwarded to loan officer. Hopefully, I will hear from them within a day or two.

 

 

Ron.


Mine did the same thing, but only because I had a fraud alert on my EQ report.  I had to call them and after the call it was immediately approved.  I never actually spoke to a loan officer.  I also got the EMV chip, which I know nothing about!:womanlol:


Congrats on your approval!!!I didn't have EQ fraud alert.  I only had 4 inq on my EQ.  My EQ  FICO score was 801.  I applied over the phone for Platinum Rewards Visa and I didn't get instantly approved.  By the way, EMV chip is for travelling outside of country use.  I have to call them back to setup the pin later on today.

 

 

Ron.


I set up the pin during the online app.  With 801 and 4 inquiries you are sure to be approved!  My EQ FICO is 734.


It didn't ask me to setup the pin. By the way, the utilization is 0%-1%.

 

 

Ron.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.