I'm finally in with a reputable credit union. Only signed up for their savings account so far, I love my current cashback checking account with another bank and don't see a need for two. I don't know much about any PenFed products, but I know they are very popular on these forums. Should I go for a card with them now or wait? The credit pull is good for 90 days right? Scores in sig are current, oldest account 11 years, AAoA 4 years, a bit of inquiries but many are starting to fall off now.
I signed up for Penfed and Applied for thier Promise card the same day with only 5 bucks in the savings and got approved..... Its thier easier card to get so I just got it to start building some History with them to eventually go after the Platinum Rewards...... Penfed is very Hard pull happy.... They pulled my credit twice ....
Aww man, not twice in one day. Hmm, guess I need to decide how much a card with them is worth to me. I'm not even sure I'd get approved with my bankruptcy, but my rebuild has been going pretty well.
Yeah not only that... Alot of thier applications including mine go into review with a loan officer.... I had to provide last 2 pay stubs to get approved....
If you don't want to take the route I took you could put their savings account to use and build history that way.....And apply for the credit cards after you have some months in that will increase your chances with the BK on your report
If you don't want to take the route I took you could put their savings account to use and build history that way.....And apply for the credit cards after you have some months in that will increase your chances with the BK on your report
I'm guessing it varies on the hard pull... They only gave me a $3,500 limit on the promise and Since the Platinum is a Visa Signature card with a Minimum limit of 5k I'm guessing that would of been a denial in my case... So I'm glad I took the route I did ..
