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Based upon "MY" personal first-hand experiences with Pen Fed
@Aduke1122 wrote:
I have heard this from several of our members here and if that is he case I need not even waste my time or HP with them in the future 😣
Over the course of only seven months I have achieved with only two different Hard Pulls: Two credit cards, two CLIs, the recipient of one survey, and only had to recon once.
Pen Fed is Perfectly Fantastic (twice)
* but then this is only my personal experience.
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I have two family members who make over 200K and one has a BK. One joined PF in 15 with dirty files and were able to get any card they wanted and get offers for more credit.