topic Re: PENDFED CREDIT CARD in Credit Card Applications

PENDFED CREDIT CARD

juniornj23 — Wed, 08 Jul 2015 12:56:03 GMT

I just joined the PenFed because my car loan is 8% with Lexus financial service so i want to get refinance loan with themm and a good credit card limit with cash back . Now here is the problem
My fico show on my EQ

1 collection pay from 2012
1 missing payment from 2013
10% UTI
what is the best things to do at this point
Do you guys think i have a shoot to they credit card i know i can wait 89 days and work out the delete for the collection but is afni and they dont like to delete
any help .

Re: PENDFED CREDIT CARD

Anonymous — Wed, 08 Jul 2015 12:57:24 GMT

Just apply. You have nothing to lose by doing so

Re: PENDFED CREDIT CARD

Anonymous — Wed, 08 Jul 2015 16:18:50 GMT

Give it a go! PenFed can be very good to you if approved.

Re: PENDFED CREDIT CARD

Spotsy — Wed, 08 Jul 2015 18:33:22 GMT

Love PenFed...they have been very good to me! Have a BK from 2009 still showing....got a decent CC with a nice SL as well as my autoloan refinanced to 0.99%.

Re: PENDFED CREDIT CARD

juniornj23 — Thu, 09 Jul 2015 02:49:46 GMT

I got approved for cash reward 8k lol should i app fro another card

Re: PENDFED CREDIT CARD

Anonymous — Thu, 09 Jul 2015 12:14:29 GMT

My EQ is so bad bad bad bad, so penfed haaaaaaaaaaaaaaaaates me.

Re: PENDFED CREDIT CARD

Anonymous — Thu, 09 Jul 2015 13:28:00 GMT

@juniornj23 wrote:
I just joined the PenFed because my car loan is 8% with Lexus financial service so i want to get refinance loan with themm and a good credit card limit with cash back . Now here is the problem
My fico show on my EQ

1 collection pay from 2012
1 missing payment from 2013
10% UTI
what is the best things to do at this point
Do you guys think i have a shoot to they credit card i know i can wait 89 days and work out the delete for the collection but is afni and they dont like to delete
any help .

When i applied in early June my eq had 1 co from 6.5 years ago, 1 open cc with 90 day late from 2 years ago and 15 inq. approved. 20,500. didnt have to recon or anything.

Re: PENDFED CREDIT CARD

NYFan63 — Tue, 14 Jul 2015 13:28:28 GMT

Hey Spotsy - can I ask what your FICO scores and Income are? I ask as I have a BK7 DC'd in Jan 2010.

Thanks in advance.

Re: PENDFED CREDIT CARD

juniornj23 — Tue, 14 Jul 2015 15:21:47 GMT

I know you didn't ask me but fico score is not what they look for is
UTl
HP
And payment history

Re: PENDFED CREDIT CARD

NYFan63 — Tue, 14 Jul 2015 15:25:46 GMT

@juniornj23 wrote:
I know you didn't ask me but fico score is not what they look for is
UTl
HP
And payment history

Thanks juniornj23 - do they consider BK's?

Re: PENDFED CREDIT CARD

juniornj23 — Wed, 15 Jul 2015 02:34:07 GMT

If is more that 5 years I don't think so which state are you

Re: PENDFED CREDIT CARD

cem13 — Wed, 15 Jul 2015 03:21:23 GMT

@NYFan63 wrote:
Thanks juniornj23 - do they consider BK's?

NYFAN, I have a BK7 discharged Jun 2011 and PenFed gave me $5K Visa and $5K AMEX.

Re: PENDFED CREDIT CARD

NYFan63 — Wed, 15 Jul 2015 03:53:37 GMT

@juniornj23 wrote:
If is more that 5 years I don't think so which state are you

Re: PENDFED CREDIT CARD

NYFan63 — Wed, 15 Jul 2015 03:54:38 GMT

@cem13 wrote:
@NYFan63 wrote:
Thanks juniornj23 - do they consider BK's?
NYFAN, I have a BK7 discharged Jun 2011 and PenFed gave me $5K Visa and $5K AMEX.

thanks cem-I will recon tomorrow

Re: PENDFED CREDIT CARD

Spotsy — Wed, 15 Jul 2015 11:22:34 GMT

@NY ... When I applied my Scores were 686-EQ, 693-TU, 707-EX. No lates since BK was voluntary dismissed in April 2010

Re: PENDFED CREDIT CARD

Anonymous — Wed, 15 Jul 2015 11:26:57 GMT

Love PenFed!

Re: PENDFED CREDIT CARD

Anonymous — Wed, 15 Jul 2015 13:43:32 GMT

Agree with music lover ...Love Penfed

Re: PENDFED CREDIT CARD

gingerflower — Wed, 15 Jul 2015 21:10:06 GMT

Definitely love penfed!!