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Penfed survey success :)))

Frequent Contributor

Penfed survey success :)))

Yesterday for the second time i was denied for fixed rate line of credit. I didnt recon. Got the survey a day later and left not so good review. Today got a call from senior loan officer and within 2 minutes she approved me for 1000$ line of credit Smiley Happy)) i had asked for 5000 and left the review mentioning they should have countered with something atleast. She called and completely agreed that they should have and approved me on spot for 1000$ Smiley Happy no questions about credit report,income etc.  I love credit unions. So far i have amazing experiences with Penfed, NFCU and Consumers CU IL. Alliant is ok. Seems more conservative.

 

I already have penfed power cash rewards 5k. Now that i have their fixed rate personal line of credit i can after some months call and apply for their 5% gas cash back card

QS 7K | Disc11.5k | Amex Evday 6.9K | AmexBluCsh 20K| NFCU cashrewrds15.5K | NFCU more rewards amex 9.7K|Penfed cshrewrds 5K | Penfed travel Amex 5K|Consumers Cu Visa signature Cash rebate 6.5K | Blispay 2K| Citi Sim 8.5K|Citi Double cash 7.1k| Chase Aarp 4.2K | Chase amazon prime vis sig 8K | Paypal 2% Cash back 300$ | US Bank Cash+VisaSig 1k | US bankAmex 500$ | Walmart MC 10K | Wellsfargo cashwise 1.5K |2nd Disc 3.5K| Amz Store CC 5K | Care credit 5.5K |Marvel MC 5.5K |Good yearCC 2.4k - Over 150k CL all together

FICO SCORES- TU 737, EQ 710, EX 729 , AAOA 1 year. Inquiries TONS.
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4 REPLIES
Frequent Contributor

Re: Penfed survey success :)))

hmm..looks life their 5%gas cash  rewards (affinity cash rewards) link does not show the card anymore. may be they stopped applicaitons for this card. Smiley Sad((

https://www.penfed.org/affinity-cash-rewards/

QS 7K | Disc11.5k | Amex Evday 6.9K | AmexBluCsh 20K| NFCU cashrewrds15.5K | NFCU more rewards amex 9.7K|Penfed cshrewrds 5K | Penfed travel Amex 5K|Consumers Cu Visa signature Cash rebate 6.5K | Blispay 2K| Citi Sim 8.5K|Citi Double cash 7.1k| Chase Aarp 4.2K | Chase amazon prime vis sig 8K | Paypal 2% Cash back 300$ | US Bank Cash+VisaSig 1k | US bankAmex 500$ | Walmart MC 10K | Wellsfargo cashwise 1.5K |2nd Disc 3.5K| Amz Store CC 5K | Care credit 5.5K |Marvel MC 5.5K |Good yearCC 2.4k - Over 150k CL all together

FICO SCORES- TU 737, EQ 710, EX 729 , AAOA 1 year. Inquiries TONS.
Message 2 of 5
Community Leader
Senior Contributor

Re: Penfed survey success :)))

Congrats!
Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 3 of 5
Established Member

Re: Penfed survey success :)))

Congratulation's!

Message 4 of 5
Member

Re: Penfed survey success :)))

Good to know! I wish I had seen your note before. I ignored the surveys. I'm currently in recon mode for a personal loan. What reasons did they deny? You seem to have good CL avail & good scores.  Thx for the info, very helpful! 

PenFed Auto: $46K | PenFed Power Cash: $10K | Cap1: $3250/$600 | Chase: $500 | Comenity: $2500/$1200/$850
INQ reporting: EQ 12 | TU 4 | EX 2
Scores: Fico 8: 699 | Fico 9: 677 | EQ Fako: 724 | TU Fako: 736 | EX Fako: 670 | NextGen on PenFed: 658
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