Reply
Established Contributor
Posts: 1,043
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, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), 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, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Established Contributor
Posts: 665
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
Posts: 3,096
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
Posts: 6,569
Registered: ‎04-07-2008
0

Re: Pen Fed AMEX Approval!

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




Valued Contributor
Posts: 3,096
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
Posts: 6,569
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
Posts: 1,043
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, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), 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, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
New Member
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
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


Take the FICO Fitness Challenge
Established Contributor
Posts: 665
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

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.