topic Re: HOPPED on the PenFed Train for a $7,500 SL!!! in Credit Card Approvals

HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 02:24:25 GMT

After noticing the MANY, MANY PenFed app and CLI approvals lately, I decided to Hop Aboard the PenFed train and app for the Power Cash Rewards card this afternoon!

BOOM - Instant Approval, $7,500 SL!

WHAT??? I originally apped for this Card and opened an Access America checking account (with a $500 deposit to qualify for 2% CB on the Card instead of 1.5% CB) when I joined PenFed last March and their response was DENIED - with a EQ FICO9 723!

Fast Forward to June and I received a snail mail solicitation for the Platinum VISA from PenFed. Apped at that time and their response was DENIED - with a EQ FICO9 731!

If at 1st you don't Succeed - well, you know the rest!

DPs -

EQ FICO9 - 752 per PenFed

AoOA - 7.8 years

AAoA - 2.1 years

AoYA - 1 month

Income - $100K+

UTIL - 2%, from EQ Report

PIF all other accounts every month with the exception of approximately $1,200 on my AmEx Cash Magnet card (still in 0% Promo interest period)

MANY Thanks to ALL of the myFICO Posters who shared their PenFed success stories - without you, I wouldn't have apped today!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

AllZero — Tue, 14 Jan 2020 00:50:12 GMT

Congratulations on your approval!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

AverageJoesCredit — Tue, 14 Jan 2020 00:50:46 GMT

Big grats Marzie im the only one consistently left at the train station but its ok, i still got Navy

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

thornback — Tue, 14 Jan 2020 00:54:16 GMT

Congrats on your approval & Nice SL!

Also, I believe that may be your EQ FICO 9 score, not FICO 8. PenFed uses FICO 9.

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 00:58:35 GMT

@AllZero wrote:
Congratulations on your approval!

MANY Thanks @AllZero my friend - It took almost a year to get this approval!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:01:20 GMT

@AverageJoesCredit wrote:
Big grats Marzie im the only one consistently left at the train station but its ok, i still got Navy

@AverageJoesCredit, it's ALWAYS good to hear from you - I AGREE with you, Navy is the BEST!!!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Gmood1 — Tue, 14 Jan 2020 01:03:50 GMT

Congratulations Marz on the approval!!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

M_Smart007 — Tue, 14 Jan 2020 01:04:03 GMT

Congrats,

When in doubt, do like AJC

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:06:02 GMT

@thornback wrote:
Congrats on your approval & Nice SL!
Also, I believe that may be your EQ FICO 9 score, not FICO 8. PenFed uses FICO 9.

Thanks @thornback - sorry for the EQ FICO error, updating my Post now!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

thornback — Tue, 14 Jan 2020 01:08:40 GMT

@Marz2002 wrote:
@thornback wrote:
Congrats on your approval & Nice SL!
Also, I believe that may be your EQ FICO 9 score, not FICO 8. PenFed uses FICO 9.

Thanks @thornback - sorry for the EQ FICO error, updating my Post now!

YW! & No need to apologize at all... I just wanted to make sure you knew they were FICO9 users -- it's a nice score Congrats again - enjoy!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

M_Smart007 — Tue, 14 Jan 2020 01:10:44 GMT

"MANY Thanks to ALL of the myFICO Posters who shared their PenFed success stories - without you, I wouldn't have apped today! "

So now "WE" get the blame

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:14:34 GMT

@Gmood1 wrote:
Congratulations Marz on the approval!!

@Gmood1 is in the HOUSE - Many Thanks my good friend!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Anonymous — Tue, 14 Jan 2020 01:20:32 GMT

@AverageJoesCredit wrote:
Big grats Marzie ~~im the only one~~ Me & James are consistently left at the train station but its ok, i still got Navy

Something about misery & company, eh, Joseph?

Congrats! to you, Marzy -- you've got them ALL eating out of your hand.

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:22:05 GMT

@M_Smart007 wrote:
Congrats,

When in doubt, do like AJC

MANY, MANY Thanks @M_Smart007 - LOL, another AWESOME pic that sums it up for PenFed apps!!!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:27:46 GMT

@thornback wrote:
@Marz2002 wrote:
@thornback wrote:
Congrats on your approval & Nice SL!
Also, I believe that may be your EQ FICO 9 score, not FICO 8. PenFed uses FICO 9.

Thanks @thornback - sorry for the EQ FICO error, updating my Post now!
YW! & No need to apologize at all... I just wanted to make sure you knew they were FICO9 users -- it's a nice score Congrats again - enjoy!

Thanks again @thornback - I really appreciate it!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Anonymous — Tue, 14 Jan 2020 01:28:54 GMT

Congratulations !

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:31:56 GMT

@M_Smart007 wrote:
"MANY Thanks to ALL of the myFICO Posters who shared their PenFed success stories - without you, I wouldn't have apped today! "

So now "WE" get the blame

YES, Indeed!!!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Traveler101 — Tue, 14 Jan 2020 01:41:56 GMT

Enjoy the ride, congrats.

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Marz2002 — Tue, 14 Jan 2020 01:43:26 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
Big grats Marzie ~~im the only one~~ Me & James are consistently left at the train station but its ok, i still got Navy
Something about misery & company, eh, Joseph?
Congrats! to you, Marzy -- you've got them ALL eating out of your hand.

Thanks @James_A - I am glad I FINALLY got a PenFed approval!

Re: HOPPED on the PenFed Train for a $7,500 SL!!!

Anonymous — Tue, 14 Jan 2020 01:45:39 GMT

@M_Smart007 wrote:
Congrats,

When in doubt, do like AJC

Now THAT is smart, Smarty. Wicked smaht (or is it wicked Smarty?)