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I joined pen fed over the weekend and went ahead and applied for the gas card....it's really the only card out there left that I want and I don't have. Anyways it went to LO review and is pending, and I am now having regrets, thinking maybe I wasn't ready yet. Lol...
My oldest acct was opened 14 yrs ago, AAoA is 3.3 yrs, 2 inquires in last year, no baddies, I have 3 new accounts opened up in the last year. My fico was a 759 when I applied. Looking for any input.
I think you should be ok. It might take two to three days for manual review.
Ron.
+1 - you look good for approval.
Send them any documentation they may ask for! When I joined a year and a half ago, I over-killed them with supporting documentation and they gave us a $20k line on the cash card.
Great card to have - good luck!
If you have a 759 and a half decent job and you dont get approved I would just walk away from Penfed. That is just outrageous if you dont get approved
Turned down!!
What is your utlization and how many cards are reporting balances?
@cmerriott wrote:Turned down!!
Really?? Your cards in your sig looked like you had a really good chance. Also your stats are great. Try to call and recon and see what they say.
There have been other posters on here that got approved with less favorable credit profiles. Maybe PenFed is a YMMV company now??
@FutureBillionaire wrote:What is your utlization and how many cards are reporting balances?
I second this...with that score and no baddies it'd seem he'd be a lock for almost any CC. Something had to have spooked them.
@cmerriott wrote:I joined pen fed over the weekend and went ahead and applied for the gas card....it's really the only card out there left that I want and I don't have. Anyways it went to LO review and is pending, and I am now having regrets, thinking maybe I wasn't ready yet. Lol...
My oldest acct was opened 14 yrs ago, AAoA is 3.3 yrs, 2 inquires in last year, no baddies, I have 3 new accounts opened up in the last year. My fico was a 759 when I applied. Looking for any input.
Sorry to hear the bad news!!! I think the 3 new account within the last year spooked them
@newportguy wrote:
@cmerriott wrote:I joined pen fed over the weekend and went ahead and applied for the gas card....it's really the only card out there left that I want and I don't have. Anyways it went to LO review and is pending, and I am now having regrets, thinking maybe I wasn't ready yet. Lol...
My oldest acct was opened 14 yrs ago, AAoA is 3.3 yrs, 2 inquires in last year, no baddies, I have 3 new accounts opened up in the last year. My fico was a 759 when I applied. Looking for any input.
Sorry to hear the bad news!!! I think the 3 new account within the last year spooked them
Depending on when he opened like 3 new accounts in less than 6 months, but I dont see it being a problem where its 3 new accounts in a year span.
I would call and just find out why and try to recon.