03-04-2010 04:11 PM
I've read lots of goodies in this forum abt Penfed esp. gas rebates, low apr, etc but jst afraid to try with them. I got bk in 07 disch. & have slowly rebuilt my cs now @ 660/ 690 both FICO, any advice would be appreciated. Thnks.
03-04-2010 04:13 PM
03-04-2010 04:35 PM
Can you join usaa or nfcu or a local credit union (maybe alliant- but I’m not sure if they’re bk friendly)? I was really turned off by penfed’s attitude…holding a 7 yr old baddie against me like I was some kind of criminal…I had more than enough on deposit w/them to cover a secured cc, but they gave me ‘no way, no how, not going to happen’ in return. Seriously, denial for a SECURED cc? Just didn’t make sense. Oh well, USAA just gave me a secured cc + soon I will get 1 from NFCU. Sometimes denials from 1 place turn into better things @ other places.
03-04-2010 05:01 PM
dont know if I can bec Im not in service, I have CU chk/ sav acct & 4 post-bk CC with low utilz, 1 reason I ask PenF was I know they give high CL which that's primarily my target..high CL, anyone you recommend that I have a chance?
03-05-2010 06:16 PM
PenFed does not give high CL unless you have excellent credit and income to justify.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.