PENDFED CREDIT CARD

juniornj23 · ‎07-08-2015

I just joined the PenFed because my car loan is 8% with Lexus financial service so i want to get refinance loan with themm and a good credit card limit with cash back . Now here is the problem
My fico show on my EQ

1 collection pay from 2012
1 missing payment from 2013
10% UTI
what is the best things to do at this point
Do you guys think i have a shoot to they credit card i know i can wait 89 days and work out the delete for the collection but is afni and they dont like to delete
any help .

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

Anonymous · ‎07-08-2015

Just apply. You have nothing to lose by doing so

Anonymous · ‎07-08-2015

Give it a go! PenFed can be very good to you if approved.

Spotsy · ‎07-08-2015

Love PenFed...they have been very good to me! Have a BK from 2009 still showing....got a decent CC with a nice SL as well as my autoloan refinanced to 0.99%.

FICO 8: TU:813 / EQ:810 / EX:803 as of 5/28/2026

juniornj23 · ‎07-08-2015

I got approved for cash reward 8k lol should i app fro another card

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

Anonymous · ‎07-09-2015

My EQ is so bad bad bad bad, so penfed haaaaaaaaaaaaaaaaates me.

Anonymous · ‎07-09-2015

@juniornj23 wrote:
I just joined the PenFed because my car loan is 8% with Lexus financial service so i want to get refinance loan with themm and a good credit card limit with cash back . Now here is the problem
My fico show on my EQ

1 collection pay from 2012
1 missing payment from 2013
10% UTI
what is the best things to do at this point
Do you guys think i have a shoot to they credit card i know i can wait 89 days and work out the delete for the collection but is afni and they dont like to delete
any help .

When i applied in early June my eq had 1 co from 6.5 years ago, 1 open cc with 90 day late from 2 years ago and 15 inq. approved. 20,500. didnt have to recon or anything.

NYFan63 · ‎07-14-2015

Hey Spotsy - can I ask what your FICO scores and Income are? I ask as I have a BK7 DC'd in Jan 2010.

Thanks in advance.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

juniornj23 · ‎07-14-2015

I know you didn't ask me but fico score is not what they look for is
UTl
HP
And payment history

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

NYFan63 · ‎07-14-2015

@juniornj23 wrote:
I know you didn't ask me but fico score is not what they look for is
UTl
HP
And payment history

Thanks juniornj23 - do they consider BK's?

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til