I agree.  There is no way you will get that card.  PenFed is one of the hardest cards to get that there is.  You can have an 800+ FICO and they will still put your app on hold, ask for 3 months paystubs, and ask you why there is an inq on your report from 8 months ago.

  FICO Scores: EQ:690 TU:695 EX:706

Gripping a Gloriously Gold Spade!

Gardening: NFCU nRewards $14k - USAA Rewards $4.5k - SDFCU Flexpoints EMV Chip+PIN $5k - BoA Travel Rewards EMV $4.5k