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Pen Fed AMEX Approval!

Valued Contributor

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, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 1 of 10
9 REPLIES
Established Contributor

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? Smiley Happy

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

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | 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 | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 2 of 10
Valued Contributor

Re: Pen Fed AMEX Approval!

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

               LIMITS IN CARD DESCRIPTIONS
Message 3 of 10
Super Contributor

Re: Pen Fed AMEX Approval!

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




Message 4 of 10
Valued Contributor

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
Message 5 of 10
Super Contributor

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.

 

 




Message 6 of 10
Valued Contributor

Re: Pen Fed AMEX Approval!


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, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 7 of 10
New Member

Re: Pen Fed AMEX Approval!

AMEX travel rewads are the best! Enjoy guys! Smiley Happy

 

 

Tips For the Smart Business Traveler - http://www.thesmartbusinesstraveler.com
Message 8 of 10
Regular Contributor

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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Message 9 of 10
Highlighted
Established Contributor

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 BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | 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 | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 10 of 10