@Mr_Mojo_Risin wrote:
@ceejay78 wrote:
@Conceptual23 wrote:I'm currently under review for a cli and submitted ID docs and financial statements as well. I've been with Penfed for a little over a year so my guess is, they're just being cautious.
I think you are right! when i talked to the credit dept CS, she said my app just needed verification. Good luck on your CLI!
Sounds like it will be a favorable outcome.
Let us know how you do!
Welcome to the forums!
Will do for sure! One thing i noticed when i opened both apps on the web, it let me choose a voluntary debt protection insurance? is that common for pending apps? i went ahead and added insurance on both apps. TIA 
@Mr_Mojo_Risin wrote:
@ceejay78 wrote:
@Conceptual23 wrote:I'm currently under review for a cli and submitted ID docs and financial statements as well. I've been with Penfed for a little over a year so my guess is, they're just being cautious.
I think you are right! when i talked to the credit dept CS, she said my app just needed verification. Good luck on your CLI!
Sounds like it will be a favorable outcome.
Let us know how you do!
Welcome to the forums!
Thank you! I am learning a lot on here. I think i will "go gardening" for a year after this approval 
@babygirl1256 wrote:Hi ceejay78 . . . any response from PenFed yet? I applied for the Platinum Rewards Visa Signature on 4/23/2021, my Equifax score was 790 and my utilization was 5%. The representative stated that I would receive a response within 24-48 hours . . . as of today 4/28/2021, I'm still waiting and they didn't ask for any additional documents as of yet; so I'm not sure what the hold-up is. I hope that we both are approved!!!
Hi! sorry for the late response - just saw this. after 3 days the udner writer denied both my applications and when i called the very unhelpful CSR said the denial was because of 1 late payment dated feb 2016 
and she even said they will not over turn that denial because of that. i will call back again tomorrow and hopefully speak to a loan officer - i think its a little unfair. its 1 missed payment within 30 days in 2016!
Hopefully you get an approval soon!! 
@ceejay78 wrote:Hi! sorry for the late response - just saw this. after 3 days the udner writer denied both my applications and when i called the very unhelpful CSR said the denial was because of 1 late payment dated feb 2016
Hopefully you get an approval soon!!
That is unfortunate on your denial. Good luck on your reconsideration!
@AllZero wrote:
@ceejay78 wrote:Hi! sorry for the late response - just saw this. after 3 days the udner writer denied both my applications and when i called the very unhelpful CSR said the denial was because of 1 late payment dated feb 2016
Hopefully you get an approval soon!!
That is unfortunate on your denial. Good luck on your reconsideration!
Thank you for the kind words. I am hoping I get an approval or I wasted a HP 🥲
@babygirl1256 wrote:Oh gosh, sorry for the denial. Perhaps you can contact the creditor for them to remove the one late payment. I probably won't pursue the card as they appear to be insensitive in many cases (on this forum). Thanks for responding.
CSR said to have the late payment removed. called the creditor and was to just dispute it from equifax - which i did. ill wait for it to be removed and reapp again when it has been removed - as suggested by the csr. I was a little sad so i apped and got 2 approvals yesterday for the cap1 walmart rewards for 500 SL and today for a discover it cashback 1500 SL - i have been rebuilding for 6 months. all is well 