When I applied that was one of there big No nos was inquirys, even with great credit they deny people left and right. You have like a 50/50 chance.
i don't have a PenFed account. I am commenting on your inqs. 6 inqs in 6 months is a lot and you've acquired a LOT of credit in the last year. If you gardened for a year- you'd probably get the highest CL ever from PenFed. From everything I've read of them- they are very very inq sensitive and to "only" have 6 inqs is actually a huge deal for some creditors- especially PenFed. JMHO. Hope this helps.
i been a member for 7 months now and they have never email me anything. nothing at all! all of a sudden im getting email for the platinum 0% offer everyday.
I dont know if it is truly a preapproval just like USAA they send out pre approvals than deny people.