Lowest Known Score to Get Penfed PCR?

[daveg38]

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@dragontears wrote:

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@daveg38 wrote:

I guess it just wasn't meant to be for me right now, even though I would qualify for the 2% based on membership.

I applied for the PCR. Initially denied at a 632 Fico 9, citing a serious delinquency (newest is 3.5 years old) and "too few accounts paid as agreed" (American Express has yet to report my AU to Equifax; when they do, that's 9 months of history I will have. Same with my FPB card).

So I recon'd. They asked for my last two year's tax returns. I sent them.

The next day, they didn't give me an answer on the recon - they simply resent the initial denial letter. Guess their recons aren't really "recons" if they simply take new information and give you the same denial reason. Spent two inquiries for that nonsense - my only two EQ inquiries.

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Sorry about the denial, just wanted to point out that with Amex AU you will not be getting the history of the account, it will report as "opened" when you were added....

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On Experian, I am getting all of my payment history and his.

[daveg38]

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@Aim_High wrote:

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My impression is that the Synchrony Paypal Cashback Mastercard may be the easiest to get.  I've enjoyed my Capital One Quicksilver (1.5%) and Capital One is easier to be approved by than PenFed.

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Paypal, perhaps.

Capital One, well, I just paid my chargeoff with them, and it still says that I cannot apply yet because my previous usage was not consistent with what Capital One expects, yada yada.