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.
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