When we joined they used the HP for membership for the next 90 days if applying for any credit products.
And yes, they can be rather conservative. I guess my parents had accounts with them years prior. We asked if they wanted "docs" and they said "no, is 12 thousand a good starting line on the card?" We said yes, instant approval for 12k 5 % cash back for gas card"
DM only had 1 HP in the past 2 years on the report they pulled. And a rather long history on top of previous history with PenFed.
Well I guess it is okay since it is only an HP for EQ I thought it would be like a triple pull like AMEX did me on the 17th.. so still in the garden status technically? EXP and TU have no inquiries since April