Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Apply to PenFed now or later?

You'd really want to try for a Penfed CC with your EQ FICO in the 700s. They are fairly conservative. I opened a share account with FICOs in the 600s and got approved. They'll pull EQ. I tried for a CC with my EQ FICO around 750 and was turned down for high util (around 20% then) and too many inquiries.