PENFED like NFCU is UNFORGIVING

Goodcreditoneday · ‎06-28-2026

So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Patient957 · ‎06-28-2026

@Goodcreditoneday wrote:
So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

It's only been a couple years, so why do you think that means "never?"

NoMoreE46 · ‎06-29-2026

Most issuers are not BK friendly especially if you have burned them just 24 months ago. The notable exception is COF.

If you are not going for the sub-prime issuers, then a secured card is the path.

@Goodcreditoneday wrote:
So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Snow-Leopard · ‎06-29-2026

@Patient957 wrote:
PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Pretty much every credit union out there will ban you for life after you cause them a loss.

Goodcreditoneday · ‎07-01-2026

@NoMoreE46 wrote:
Most issuers are not BK friendly especially if you have burned them just 24 months ago. The notable exception is COF.
If you are not going for the sub-prime issuers, then a secured card is the path.

@Goodcreditoneday wrote:
So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Haha no need for secured. Thank You tho! I just got a unsecured card from DCU and my local Credit Union in NYC. I Just wanted to see if I could get back in with Penfed. No worries tho. I'm very happy and blessed with the two new good cards I just got from my CU's. 😋

NoMoreE46 · ‎07-01-2026

@Goodcreditoneday wrote:
@NoMoreE46 wrote:
Most issuers are not BK friendly especially if you have burned them just 24 months ago. The notable exception is COF.
If you are not going for the sub-prime issuers, then a secured card is the path.

@Goodcreditoneday wrote:
So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Haha no need for secured. Thank You tho! I just got a unsecured card from DCU and my local Credit Union in NYC. I Just wanted to see if I could get back in with Penfed. No worries tho. I'm very happy and blessed with the two new good cards I just got from my CU's. 😋

Cool- looks like you have made progress

on your rebuild. imo, PF has lost its appeal so no need look back.

Goodcreditoneday · ‎07-02-2026

@NoMoreE46 wrote:

@Goodcreditoneday wrote:
@NoMoreE46 wrote:
Most issuers are not BK friendly especially if you have burned them just 24 months ago. The notable exception is COF.
If you are not going for the sub-prime issuers, then a secured card is the path.

@Goodcreditoneday wrote:
So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy.

Haha no need for secured. Thank You tho! I just got a unsecured card from DCU and my local Credit Union in NYC. I Just wanted to see if I could get back in with Penfed. No worries tho. I'm very happy and blessed with the two new good cards I just got from my CU's. 😋
Cool- looks like you have made progress
on your rebuild. imo, PF has lost its appeal so no need look back.

You're absolutely right! 😊🥹