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Established Contributor
emptypockets
Posts: 989
Registered: ‎02-03-2009
0

Pen Fed AMEX Approval!

Okay, I said I was going to garden, but the itch after my BK was removed got the best of me. Joined Pen Fed (used Voices for America's Troop membership to join), and apped for the AMEX Travel Rewards. Instatnt approval for 9.5k. EQ pull, 1 INQ at time of app, 7% Util, EQ score 773.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: Pen Fed AMEX Approval!

Congrates on your approval! My goodness you have a lot of cards, and with great cl's too...how do you manage them all? :smileyhappy:

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Pen Fed AMEX Approval!

CONGRATS!!  Out of curiosity, when did you BK?  Looks like you required.

               LIMITS IN CARD DESCRIPTIONS
Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

Re: Pen Fed AMEX Approval!

PenFed hasnt shown me any love yet. Would love their 5% card




Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Pen Fed AMEX Approval!

CS800, have you applied ever?  Also, I would check if they are softing your EQ CR around once a quarter.

               LIMITS IN CARD DESCRIPTIONS
Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

Re: Pen Fed AMEX Approval!

I opened a checking with them last Nov and was flat out denied for any card, did a recon etc with nothing. I can only see the softs on my EX, not sure how to do it on TU and EQ.

 

 




Established Contributor
emptypockets
Posts: 989
Registered: ‎02-03-2009
0

Re: Pen Fed AMEX Approval!

[ Edited ]

Crashem wrote:

CONGRATS!!  Out of curiosity, when did you BK?  Looks like you required.



BK was 7/2002, just fell off this week. Gained 70 pts on EQ when it dropped.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
New Member
audreyjackson
Posts: 6
Registered: ‎05-19-2012
0

Re: Pen Fed AMEX Approval!

[ Edited ]

AMEX travel rewads are the best! Enjoy guys! :smileyhappy:

 

 

Tips For the Smart Business Traveler - http://www.thesmartbusinesstraveler.com
Regular Contributor
jla84
Posts: 249
Registered: ‎07-21-2011
0

Re: Pen Fed AMEX Approval!

Congrats! I have this card too, and I LOVE it! The 9.99% APR until 2013 is real nice too. 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


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Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: Pen Fed AMEX Approval!


CS800 wrote:

I opened a checking with them last Nov and was flat out denied for any card, did a recon etc with nothing. I can only see the softs on my EX, not sure how to do it on TU and EQ.

 

 


What were you reason(s) for denial? Would you mind sharing your credit profile?

 

Darrell

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K

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