@Anonymous wrote:
How did I get approved for two Amex and not penfed??
No idea without more information from you. You cannot just assume that an approval with X means that you should be approved with Y. Different creditors and products can have different underwriting requirements. Additionally your credit isn't static. When you apply you incur hard pulls. Typically hard pulls have a small impact but they can be a bigger deal for those with thin credit profiles and/or profiles with issues.
The denial reason(s) are the place to start if you can't tell by looking at your own reports. PenFed can be very selective and tends to cite "pyramiding debt" for those that have opened what it deems as too many new accounts (how many can depend on the shape of one's credit profile) prior to the application with PenFed.
Don't overlook prior discussions. PenFed is a relative common topic.
https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=penfed%20denial%20site%3Aficoforums.myfico.com
Were the AmEx cards the Green and the Delta Gold? These cards are generally regarded as some of the easier ones to qualify for with AmEx. If you want additional feedback we would need more information. Did you app for the AmEx cards before PenFed? That recent activity could have been a concern for your credit profile as far as PenFed was concerned. Do your have any other recent accounts? What's your credit profile like? The UMPE limit is pretty good but others are low, indicating that there may be concerns with your credit profile even with creditors that approved you.
