topic Re: Just got approved for Penfed cash rewards in Credit Card Approvals

Updated with DP; PenFed Cash Rewards and Uber approvals

Anonymous — Wed, 19 Sep 2018 05:21:45 GMT

So this has been quite a month. I went from horrible credit and no credit cards to the 3 weeksand I got Discover, Amex Prg, Nfcu Platinum, and just got off the phone with Penfed and got Power Cash Rewards. 
 
I can't say it enough, but thank you to everyone on this forum who has given me such wonderful advice. There is so much here to learn. I need to garden for a bit now since my AAoA is going to be nothing after this. I am hoping to get put on as an AU for a long account to try and bring it back up.
 
adding some dp:
8/25 EX fico 8 720 applied for Disc and then Amex PRG. Approved for both. DIsc 10k. 2 INQ previous and both pulled EX. Disc also pulled EQ but don't know score at that time. EQ INQ was also 2 prior.
9/13 TU fico 8 714 applied NFCU. TU had 2 INQ and that is what was pulled. Approved Platinum 10k
9/17 EQ fico(based off Penfed acct, maybe fico 9?) 742 and applied Power Cash Rewards. EQ INQ 3. Approved 6500
9/18 TU scores? but pulled. Barclay Uber applied. TU INQ 3. Approved 1500.

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 03:14:21 GMT

Congratulations on the nice haul!!!

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 03:14:35 GMT

Congratulations. That's awesome.

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 03:24:04 GMT

Congrats on all your wonderful progress!

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 03:26:05 GMT

Congrats on your PenFed Cash Reward approval and a successful app spree!

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 03:34:36 GMT

Thank you all very much. I am just trying to go about it a better way this time around. I am going for only good cards with higher limits. When I was younger I just tried to get any card that would have me. I was worried going for the Penfed membership. I thought I might not get approved for that. Then there was a glitch as I was trying to fund the savings acct so I called in. The nice csr asked if I wanted to try for any of their products and I said in a few months when my scores went up and she said let's try now. We already pulled your credit. I said sure, she asked which card I wanted and looked at the gold then figured I'd set my sights higher since I got the NFCU with a 10k limit on Thursday. And she seemed as happy to tell me I got approved for 6500 as I was to hear it. So far extremely happy this last month. You guys all rock!! Without this forum I'd stil be sitting with one CC for my local CU.

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 04:11:26 GMT

@Anonymous wrote:
So this has been quite a month. I went from horrible credit and no credit cards to the 3 weeksand I got Discover, Amex Prg, Nfcu Platinum, and just got off the phone with Penfed and got Power Cash Rewards.

I can't say it enough, but thank you to everyone on this forum who has given me such wonderful advice. There is so much here to learn. I need to garden for a bit now since my AAoA is going to be nothing after this. I am hoping to get put on as an AU for a long account to try and bring it back up.

Super Congrats on your new credit card approvals!

Quick question: Would you mind sharing some data points on

your Discover, Amex PRG, Navy Fed and PenFed approvals?

Which file(s) did they pull, what were your approving FICO scores, etc?

Congrats once again on your success. Thanks so much for sharing!

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 04:28:34 GMT

I too was like you when i was younger. I applied for anything and whatever. I knew nothing about cc. I wish there was a forum like this 20 yrs ago. Thrilled that u have gotten a second chance!

Congrats on your approval!

Re: Just got approved for Penfed cash rewards

Anonymous — Tue, 18 Sep 2018 04:39:05 GMT

@Anonymous wrote:
@Anonymous wrote:
So this has been quite a month. I went from horrible credit and no credit cards to the 3 weeksand I got Discover, Amex Prg, Nfcu Platinum, and just got off the phone with Penfed and got Power Cash Rewards.

I can't say it enough, but thank you to everyone on this forum who has given me such wonderful advice. There is so much here to learn. I need to garden for a bit now since my AAoA is going to be nothing after this. I am hoping to get put on as an AU for a long account to try and bring it back up.
Super Congrats on your new credit card approvals!

Quick question: Would you mind sharing some data points on
your Discover, Amex PRG, Navy Fed and PenFed approvals?
Which file(s) did they pull, what were your approving FICO scores, etc?
Congrats once again on your success. Thanks so much for sharing!

tyvm. the only scores i have were from 9/13 and i can get new ones on 9/20. i am going to join CK tomorrow so I can get you who pulled which then. so i will update tomorrow afternoon with the pulls and scores from 9/13 which went down slightly from NFCU approval prior to Penfed.

also i just got the 30 day for a CSP. if i can get this im done for at least a year.

Re: Just got approved for Penfed cash rewards

MrDFinance — Tue, 18 Sep 2018 05:42:29 GMT

Congrats on the cards.... Being a informed consumer can go a long way

Re: Just got approved for Penfed cash rewards

xaximus — Tue, 18 Sep 2018 13:12:04 GMT

Congrats on the approvals! What were the limits for the Disco? Any DPs for the others as well ?

Re: Just got approved for Penfed cash rewards

19eighty5 — Tue, 18 Sep 2018 17:48:52 GMT

Congratulations on your approval!

Re: Just got approved for Penfed cash rewards

Anonymous — Wed, 19 Sep 2018 04:25:30 GMT

just added some dp to first post.

also applied and approved for Barclay Uber. Only card I was denied in this was CSP. I am done now for the next year card wise. I just scored 5 cards since 8/25. 4 revolvers and a charge. That puts me at 5 revolvers which is what I thought I had read was best minimum amount for maximizing scores. Prior to this spree I only had a car loan and secured cu cc open. And 1 car loan closed. So I was pretty thin.

Hoping now I can put a few dollars on each card and pif every month prior to statement. try for azeo or maybe aze2 since it seems that is better than az. I might play around a bit to see how my scores are affected. But now I just have to let it all age and hopefully get a car loan through NFCU or Penfed early part of the year. Also want to work on some CLI but that's not that important. I've got 2 years until I can get in with Chase but by then I might not even be interested in them.

By adding 5 payments a month to my reports I have to think that'll make me a lot stronger in the eyes of the banks. But who knows, they might think I'm overextended.