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That's encouraging.
I put about 1200 a month on it minimum (gas for month) and had two mini trips also. Extra grand or so each time. PIF all the time also. I'm just over 6 months now.
I hope I get the same luv too.
Jax
What is their pattern of softing for you if you know.
It looks like this is a six month+ phenominon. In addition to a good pattern with their card I also have deposits with them. That has to matter, too. I wonder if the late July acquisition of the Discover card might KO me from an auto-CLI. It will be interesting to see what happens.
jmbfl wrote:
What is their pattern of softing for you if you know.
It looks like this is a six month+ phenominon. In addition to a good pattern with their card I also have deposits with them. That has to matter, too. I wonder if the late July acquisition of the Discover card might KO me from an auto-CLI. It will be interesting to see what happens.
@haulingthescoreup wrote:As to the crazy CL's, that's because of having CU cards, bless their hearts. I can't say enough good things about USAA and PenFed, plus BofA busily playing catch-up.
Wow and Wow!! I have GOT to get in w/Penfed!! htsu, you were helping me on another thread(about still being "bad" and then I digressed to need for auto loan!) and you suggested Penfed and said EQ looked good enough score wise.
We're still deciding whether it's better for DH to do the loan or me based on point hits, but I also want to get your opinion on Penfed and our chances of getting in w/CC eventually and car loan now.
We both got new CCs (4 each) in April, so right a 6 months. DH has 691EQ FICO w/ 3 inqs, 2 from April, 1 from August (HD hard pull for CLI darn it!) My EQ is 694 but I have 6 inqs, dated from 2/07 to 4/08. We're both at about 22% utilization right now, but as I mentioned elsewhere, that's temp and will be down in 3-4 months.
We both have paid state tax lien(1998 lien/released 2004) and DH has 1 med coll from 2003. I have 2 paid COs 2003 and 2004. EQ is my worst report though as I disputed one of the COs (long story told on other threads) as late payts were shown after the 2003 date. Report shows "dispute resolved; consumer does not agree", but it still shows me with something like 20+ 90 day lates from 2003 -2005. Really really frustrating but it's supposed to drop end of next year anyway.In light of that, is it better to use DH's or since we'll both be joining will they look at both? Do they require proof of income etc (ie: should I have pay stubs, tax forms etc ready to show?)
Also wondering if any benefit to applying by phone as opposed to online if that's possible?
If we do get in the door with Penfed, is there a waiting period before being able to get car loan? Do you keep a checking or savings wth them also, or just the CC ?
I would absolutely love to get a CU w/high enough CL so I can quit stressing over potential loss of Amex CL. Especially since it sounds like rewards are wonderful! I've been loving my DiscoverMore for that reason, but your penfed's look like they really add up!
Thanks, hauling! I appreciate such indepth insight and information!
I think you're right that I should probably should wait on Penfed. I don't want to muck up a future relationship with them by applying when I'm not really "Penfed material". And from what I've been able to garner from other posts also, my "issues" would most likely keep me out.
I think I'll do as you suggest and try to get in w/ a local/nearby CU. I'll ask around and see what I can find out.
And thanks again for (as always) being so helpful!!!!
wow!! super congrats , that card's a grower!
Well, I got a CC from PenFed in April, so I hope in November or December I may get some luv from them.
Let's see how Pentagon FCU is going to treat a former Red Army sergeant
!
wmarat wrote:
Well, I got a CC from PenFed in April, so I hope in November or December I may get some luv from them.
Let's see how Pentagon FCU is going to treat a former Red Army sergeant