Just wanted to give heads up for another success of mine.
I received a PenFed preapproval letter in the mail a few weeks back and had been sitting on it for sometime. I guess I got the itch to give it a shot since I read many successes and felt a little bit better having the preapproval. I did apply for a credit card back more than 2 years ago and tried to get reconsideration but they wanted to see more payment history.
I have been gardening since then and felt I would give it a try and see.
So, I applied using the offer in my account and I was instantly ecstatic - 10K!
My EQ FICO was 729 per PenFed.
Again, thank you all for contributing and sharing the invaluable info!
Hope that this brings hope to all others in their credit journey.
Now it's time for me to get back to gardening....