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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Pen Fed odds?


FloridaState12 wrote:

LesWH wrote:

newportguy wrote:

LesWH wrote:

I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!


O really!!! Lucky you


I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!


I am in LOVE with the new 2013 Range Rovers. What year did you get?? 

 

Off topic, I know. :smileytongue:


2010


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Pen Fed odds?


LesWH wrote:

FloridaState12 wrote:

LesWH wrote:

newportguy wrote:

LesWH wrote:

I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!


O really!!! Lucky you


I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!


I am in LOVE with the new 2013 Range Rovers. What year did you get?? 

 

Off topic, I know. :smileytongue:


2010


Nice car! Congrats on all your approvals with PenFed! 


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Pen Fed odds?

[ Edited ]

chnceit wrote:

LesWH wrote:

FloridaState12 wrote:

LesWH wrote:

newportguy wrote:

LesWH wrote:

I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!


O really!!! Lucky you


I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!


I am in LOVE with the new 2013 Range Rovers. What year did you get?? 

 

Off topic, I know. :smileytongue:


2010


Nice car! Congrats on all your approvals with PenFed! 


Thanks, and congrats to you as well! I'm in shock now that they even approved me at all, let alone for 20,000!!! Also, I've used it once to gas up the Rover!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Pen Fed odds?


LesWH wrote:

chnceit wrote:

LesWH wrote:

FloridaState12 wrote:

LesWH wrote:

newportguy wrote:

LesWH wrote:

I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!


O really!!! Lucky you


I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!


I am in LOVE with the new 2013 Range Rovers. What year did you get?? 

 

Off topic, I know. :smileytongue:


2010


Nice car! Congrats on all your approvals with PenFed! 


Thanks, and congrats to you as well! I'm in shock now that they even approved me at all, let alone for 20,000!!! Also, I've used it once to gas up the Rover!


Thanks..... I am still waiting for my card grrrr!!! How long did it take you to get it?


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Pen Fed odds?

I paid the 15.00 expedite fee.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Pen Fed odds?


LesWH wrote:

I paid the 15.00 expedite fee.


I seriously should of. Its going to be 20 days from approval. If I dont get it by tomorrow I am calling them and reporting it. 


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Pen Fed odds?

OP - sorry they turned you down. I agree with the others here that you need to call and recon. They are very nice people to work with.

 

Be prepaired to send them supporting documentation. Your profile looks very good and I am quite surprised you were turned down!

 

Worth a phone call for sure! Let us know the results.

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Member
cmerriott
Posts: 29
Registered: ‎05-06-2011
0

Re: Pen Fed odds?

Well r

The letter states I have too much available credit with a credit score of 818... So I will probably NEVER qualify for this card....I don't plan on closing any of my accounts....

Myfico EQ 1/12/13 759

Barclays $6,300, NAVY FCU $25,000, CITI dividend $4,500, AMEX HH $16,800, AMEX BCP $6,000, BofA 123 $9,900, CAP ONE VENTURE $7,500, CITI forward $3,000, DISCOVER IT $10,000, GECRB/LOW $10,000, GECRB/SAMSDC $10,000, SPIEGEL $1,150, WFNNB/BUCKLE $1,100
Super Contributor
Ron1
Posts: 5,474
Registered: ‎05-23-2009
0

Re: Pen Fed odds?


cmerriott wrote:

Well r

The letter states I have too much available credit with a credit score of 818... So I will probably NEVER qualify for this card....I don't plan on closing any of my accounts....


Sorry to hear it. You can fax them a letter to request to recon for manual review. Your score is much higher than me.  I think you have a good chance to get approved.

 

Ron.

Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

Re: Pen Fed odds?

Do they verify income? I have income that I don't report on my taxes and would like to include it but I don't have supporting documents for it

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712

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