cancel
Showing results for 
Search instead for 
Did you mean: 

chances for Penfed cc.

Valued Contributor

chances for Penfed cc.

I have 17 inqs on EQ but only 6 are from last 6 months. Only 2 new accounts in last 6 months but a lot in last 12 months. EQ score 700 and Utl 1%. I keep getting emails for the platinum about the 0% offer so i feel like they are trying to hint me?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 1 of 5
4 REPLIES
Established Contributor

Re: chances for Penfed cc.

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.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 2 of 5
Community Leader
Valued Contributor

Re: chances for Penfed cc.

Hey jsickz32!

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.  Smiley Happy


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 3 of 5
Valued Contributor

Re: chances for Penfed cc.

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.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 4 of 5
Established Contributor

Re: chances for Penfed cc.

I dont know if it is truly a preapproval just like USAA they send out pre approvals than deny people.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 5 of 5