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    <title>topic Re: PenFed in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95776#M20771</link>
    <description>&lt;DIV&gt;lol hauling, you took my words. i was baout to say the samething &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
    <pubDate>Mon, 12 Nov 2007 01:00:22 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2007-11-12T01:00:22Z</dc:date>
    <item>
      <title>PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95720#M20723</link>
      <description>&lt;DIV&gt;Good Afternoon,&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I've seen a number of folks here speak very highly of penfed but with very few specifics.&amp;nbsp; Why do you think PenFed is so good?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;WBLAKE&lt;/DIV&gt;</description>
      <pubDate>Sun, 11 Nov 2007 23:57:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95720#M20723</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-11T23:57:54Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95722#M20725</link>
      <description>&lt;DIV&gt;penfed is the best.&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:03:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95722#M20725</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:03:32Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95723#M20726</link>
      <description>Oh, nicely explained! &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:04:34 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95723#M20726</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2007-11-12T00:04:34Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95727#M20729</link>
      <description>&lt;DIV&gt;lol&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Thanks&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:11:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95727#M20729</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:11:31Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95730#M20732</link>
      <description>&lt;DIV&gt;ok let me explain better&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Penfed is one of the biggest FCU in USA. 10 billion dollars of assets it means mor money for us &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;There is nothing sub prime about penfed.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;They have the best rates in the country.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;They have a lot of products to offer.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;They have a really good CS and I love their website.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;is it better hauling &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:14:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95730#M20732</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:14:20Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95734#M20736</link>
      <description>&lt;DIV&gt;Ashabbir, good job!&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Now, I want you to COMPARE and CONTRAST&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Penfed Vs. Nasa FCU vs Navy FCU vs Justice FCU vs Patelco Vs Insert Other here&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;And tell me which ONE &amp;lt; JUST 1 &amp;gt; to pick from those?&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:17:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95734#M20736</guid>
      <dc:creator>SonorityGenius</dc:creator>
      <dc:date>2007-11-12T00:17:54Z</dc:date>
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    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95736#M20738</link>
      <description>&lt;DIV&gt;lol you know that i can do anything for you all you have to say yes &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:21:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95736#M20738</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:21:15Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95739#M20741</link>
      <description>&lt;DIV&gt;Yes - to you doing anything I ask.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Now get working on that Compare and contrast I asked, sheez slow poke.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Which one should I reallllly apply to? I just want to pick ONE and keep it simple. I want a HUGE CL so factor that in lol&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:23:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95739#M20741</guid>
      <dc:creator>SonorityGenius</dc:creator>
      <dc:date>2007-11-12T00:23:13Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95746#M20746</link>
      <description>&lt;DIV&gt;lol I know it is not nice to ask girls about the income but FCU usually look at&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;the incomes too to give high CLI. How much do you make per year?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:26:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95746#M20746</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:26:39Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95750#M20748</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;haulingthescoreup wrote:&lt;BR /&gt;Oh, nicely explained! &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;DIV&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt; lol, great answer, I agree with you hauling.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I was turned down by Penfed due to BK in 5-06&lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt; Oh well both Navy and Justice CC gave me 5000 CL&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:28:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95750#M20748</guid>
      <dc:creator>orl2185</dc:creator>
      <dc:date>2007-11-12T00:28:56Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95757#M20755</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;Multiply your income x sum of your 25 credit cards' CL &amp;nbsp;(which you will let me max em ALL)&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;And thats my income.&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;I dont need to work with you having 25 ccs alone but dont need you to stay home either *for personal reasons* &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&amp;nbsp;so our HHI is pretty good ashabbir!&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by SonorityGenius on &lt;SPAN class="date_text"&gt;11-11-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;04:33 PM&lt;/SPAN&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:33:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95757#M20755</guid>
      <dc:creator>SonorityGenius</dc:creator>
      <dc:date>2007-11-12T00:33:40Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95760#M20758</link>
      <description>&lt;DIV&gt;Penfed is out of the question. You are too young for that &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I think JFCU is best for you. Very nice CS.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;High credit limits.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Nice LOC.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:35:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95760#M20758</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:35:28Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95765#M20762</link>
      <description>&lt;DIV&gt;I have both PenFed and JFCU.&amp;nbsp; Justice was more generous with their credit limit.&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:40:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95765#M20762</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T00:40:08Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95772#M20768</link>
      <description>&lt;DIV&gt;Sweet... My recent scores are as follows EQ 654 EQ 681 TU 665...&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;On 9-07 scores were EQ 647 EQ 691 TU 660&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:49:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95772#M20768</guid>
      <dc:creator>orl2185</dc:creator>
      <dc:date>2007-11-12T00:49:18Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95774#M20769</link>
      <description>&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1023"&gt;@orl2185&lt;/a&gt; wrote:&lt;BR /&gt;&lt;DIV&gt;Sweet... My recent scores are as follows EQ 654 EQ 681 TU 665...&lt;/DIV&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;On 9-07 scores were EQ 647 EQ 691 TU 660&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;How many EQ's you got going on there? &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;</description>
      <pubDate>Mon, 12 Nov 2007 00:53:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95774#M20769</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2007-11-12T00:53:40Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95776#M20771</link>
      <description>&lt;DIV&gt;lol hauling, you took my words. i was baout to say the samething &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 01:00:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95776#M20771</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T01:00:22Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95778#M20772</link>
      <description>FWIW Patelco has the lowest rates on cards on balance at 8.9%. Navy and Penfed are at 10.9% unless you qualify for lower rates.</description>
      <pubDate>Mon, 12 Nov 2007 01:02:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/95778#M20772</guid>
      <dc:creator>smallfry</dc:creator>
      <dc:date>2007-11-12T01:02:37Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/96034#M20881</link>
      <description>&lt;DIV&gt;So...Ashabbir1....JFCU gave you 15K? &lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Phumanr&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 18:47:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/96034#M20881</guid>
      <dc:creator>phumanr</dc:creator>
      <dc:date>2007-11-12T18:47:38Z</dc:date>
    </item>
    <item>
      <title>Re: PenFed</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/96039#M20885</link>
      <description>&lt;DIV&gt;lol at least I can tell you its not JFCU. Its a new company &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Mon, 12 Nov 2007 18:50:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/PenFed/m-p/96039#M20885</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-12T18:50:15Z</dc:date>
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