topic Re: Is it time for PenFed?? in Credit Cards

Is it time for PenFed??

Anonymous — Thu, 19 May 2011 14:47:34 GMT

I have been waiting for all the baddies to fall off and they now have. So I need some help folks. Am I ready for PenFed. My aaoa is 2yrs. on tu 747 fico,4yrs aaoa on eq.797 fico,newest acc. is 1.1yrs.,no inq. on any ficos.I do have 4 inqs on reg. report ,3 of which will fall off in Oct.(home fin. inqs).I am not military( brother,father was both deceased).util. is 1% on one cc,no other debt except mortgage. Am I Ready or do I need to wait??

Re: Is it time for PenFed??

Anonymous — Thu, 19 May 2011 15:05:20 GMT

@Anonymous wrote:
I have been waiting for all the baddies to fall off and they now have. So I need some help folks. Am I ready for PenFed. My aaoa is 2yrs. on tu 747 fico,4yrs aaoa on eq.797 fico,newest acc. is 1.1yrs.,no inq. on any ficos.I do have 4 inqs on reg. report ,3 of which will fall off in Oct.(home fin. inqs).I am not military( brother,father was both deceased).util. is 1% on one cc,no other debt except mortgage. Am I Ready or do I need to wait??

What PenFed products are you interested in?

Re: Is it time for PenFed??

Anonymous — Thu, 19 May 2011 15:17:19 GMT

Thanks LilMirth for the reply, I just want a good cc with rewards for gas and a decent credit line because my Sams card just sucker punched me and reduced my line to 124 dollars from 1500. My biggest card is a Kays for 7650 limit.My total lines are only just under 9000.

Re: Is it time for PenFed??

Anonymous — Thu, 19 May 2011 15:30:06 GMT

@Anonymous wrote:
I have been waiting for all the baddies to fall off and they now have. So I need some help folks. Am I ready for PenFed. My aaoa is 2yrs. on tu 747 fico,4yrs aaoa on eq.797 fico,newest acc. is 1.1yrs.,no inq. on any ficos.I do have 4 inqs on reg. report ,3 of which will fall off in Oct.(home fin. inqs).I am not military( brother,father was both deceased).util. is 1% on one cc,no other debt except mortgage. Am I Ready or do I need to wait??

4 year AAoA, 797 FICO, no inquiries on EQ.. Not sure what you could possibly hope to improve on that, other than waiting ten years to get your AAoA up?

Go for it.

Re: Is it time for PenFed??

Anonymous — Thu, 19 May 2011 15:36:30 GMT

I agree - you should go ahead.

They should not turn you away!

Ray

Re: Is it time for PenFed??

score_building — Fri, 20 May 2011 07:31:58 GMT

@Anonymous wrote:
Thanks LilMirth for the reply, I just want a good cc with rewards for gas and a decent credit line because my Sams card just sucker punched me and reduced my line to 124 dollars from 1500. My biggest card is a Kays for 7650 limit.My total lines are only just under 9000.

Doesn't sound like a sucker punch to me, more a flag for non usage...use card and ye shall be restored

Re: Is it time for PenFed??

Anonymous — Fri, 20 May 2011 22:24:24 GMT

okay. so what happened