Pen Fed post BK criteria?

[Anonymous]

I did get denied a credit card with Pen Fed due to a bankruptcy which was discharged 11 months ago, does anyone know what their criteria is post BK? The agent I spoke with said he was not allowed to diclose that information.

[Anonymous]

Did you get the auto deniall online or by applying over the phone with a rep?

[Anonymous]

It was on the phone with an agent.

[Anonymous]

My BK13 was DC in 12/15. Car loan in 1-16. CC in 4-16. Another CC and a new PLOC in 7-16. BK, even recent DC ones, not a deal breaker. 

I had a 700 EQ score and decent income. 

[Anonymous]

What are your data points? i.e. when was your DC?  what is your rebuild like so far?  score?

[kugel]

PenFed is very strict this days

[Scupra]

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@Anonymous wrote:

What are your data points? i.e. when was your DC?  what is your rebuild like so far?  score?

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This.. We don't have any details on you

[Scupra]

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@Anonymous wrote:

My BK13 was DC in 12/15. Car loan in 1-16. CC in 4-16. Another CC and a new PLOC in 7-16. BK, even recent DC ones, not a deal breaker. 

I had a 700 EQ score and decent income. 

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Did some digging and OP filed BK7. Chap 13 is not a good comparison as your BK is 3-5 years old when you are discharged

[Anonymous]

I was discharged 11/2/15. I've built back up to TU 654 EQ 605 EXP 668. Started with some secured cards and loans, now I'm to the point where I can get better cards.My utilization rate is 7%

[Anonymous]

They only pull EQ so I suspect that was the challenge. Get it up somewhere in the high 600's youll have a better chance.