topic Re: Penfed access america checking account in Credit Card Applications

Penfed access america checking account

SnowBowl — Sun, 27 Aug 2023 01:35:02 GMT

its not really a credit card topic but it can be down the roads with access america checking account setup you can have pathfinder card with no AF , but I am just wondering if its HP or SP for opening access america checking account ? obviously for pathfinder it would be HP but does anyone on this site thinks penfed will approve me with this info see below , right from myFICO subscription or let it aged a bit more ? Thanks for any info in advance.

Time Since Most Recent Late Payment: 3 years 6 months

Time Since Most Recent Late Payment

3 years 6 months

Your most recent late payment.

Re: Penfed access america checking account

sznthescore — Sun, 27 Aug 2023 02:18:33 GMT

Need more info in regards to profile... FICO score? Current cards? Any other derogatory info? Etc.

Re: Penfed access america checking account

SnowBowl — Sun, 27 Aug 2023 06:40:03 GMT

@sznthescore wrote:
Need more info in regards to profile... FICO score? Current cards? Any other derogatory info? Etc.

here my current lineup CFU , CSR , Discover , a couple of BOA and a couple of citi cards close to 50k CL combined on all those cards, using around 3% of 50K CL had like 6 or 7 30 and 60's lates almost 4 years ago. FICO8 EQ 728 score. clean otherwise that bad part for 3.6 years.

Re: Penfed access america checking account

SouthJamaica — Sun, 27 Aug 2023 12:59:41 GMT

@SnowBowl wrote:
its not really a credit card topic but it can be down the roads with access america checking account setup you can have pathfinder card with no AF , but I am just wondering if its HP or SP for opening access america checking account ? obviously for pathfinder it would be HP but does anyone on this site thinks penfed will approve me with this info see below , right from myFICO subscription or let it aged a bit more ? Thanks for any info in advance.

Time Since Most Recent Late Payment: 3 years 6 months
Time Since Most Recent Late Payment
3 years 6 months

Your most recent late payment.

You don't need an Access America account, you could also use the Free Checking account. The key is that you need to either maintain a $500 minimum balance, or make $500 per month in direct deposits.

If you're talking about applying for membership with PenFed, I don't know if there's presently a HP for membership. But the latest thread I've seen, from last year, confirms no HP :

https://ficoforums.myfico.com/t5/Personal-Finance/Penfed-No-Hp-for-Membership/m-p/6501303