Reply
Frequent Contributor
Mellon
Posts: 341
Registered: ‎08-31-2007
0

PENFED Approval below 700??

Anyone been approved for their credit cards with scores below 700?? If so what was your score when approved?  Any baddies? What card did you get approved for?

 

I have been a member of Penfed since 2008. Approved at the time for membership only my score was still in the high 500's at the time. Now my EQ score is 685 and I have been approved for Discover IT, AMEX BCE, NFCU (14k CR and 7KPL and Navchek 10K), BOA 321. 

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: PENFED Approval below 700??

Bump

*8/10/13
Frequent Contributor
b_seeker
Posts: 390
Registered: ‎03-24-2013
0

Re: PENFED Approval below 700??

http://whogavemecredit.com

 

Go there. Search by name. Penfed. This will give you different scores people apped with and their results. Just browsing, there were some that got approved with lower scores.

 



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Super Contributor
Ron1
Posts: 5,471
Registered: ‎05-23-2009
0

Re: PENFED Approval below 700??

Frequent Contributor
Mellon
Posts: 341
Registered: ‎08-31-2007
0

Re: PENFED Approval below 700??

Thanks Ron!!

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Super Contributor
Ron1
Posts: 5,471
Registered: ‎05-23-2009
0

Re: PENFED Approval below 700??


Mellon wrote:

Thanks Ron!!


You're welcome. They might ask for paystub for income vertification.

 

 

Ron.

Frequent Contributor
Mellon
Posts: 341
Registered: ‎08-31-2007
0

Re: PENFED Approval below 700??

thanks I have my stubs ready...just briefly browsing the thread It seems like you need at least 700 but there were a few 680's that got through with paid derogs ( a lot of high 700's got denied). I may go for it after my Discover balance updates to $0. Being that CITI hates me,  a Penfed is the last card I want.

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: PENFED Approval below 700??

That thread has many old approvals... Great info, but not extremely helpful in today's economy. Is there a place where we may be able to find more recent Penfed approvals?
Im itching for that Penfed Promise Visa myself. Looks like they want you to have 750+!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: PENFED Approval below 700??


youngandcreditwrthy wrote:
That thread has many old approvals... Great info, but not extremely helpful in today's economy. Is there a place where we may be able to find more recent Penfed approvals?
Im itching for that Penfed Promise Visa myself. Looks like they want you to have 750+!!

I was approved with a 734 for PenFed Cash Rewards with a 20,000 limit.


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






Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: PENFED Approval below 700??

That thread has many old approvals... Great info, but not extremely helpful in today's economy. Is there a place where we may be able to find more recent Penfed approvals?
Im itching for that Penfed Promise Visa myself. Looks like they want you to have 750+!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}