Re: PenFed Single Pull or Double

Anonymous · ‎02-19-2020

Last week I applied for their credit card and was approved. If I apply for another credit card with them, is the another HP or will they use the old report?

thornback · ‎02-19-2020

There is, unfortunately, no definitive answer. Some get away with using the same pull for more than one app made within 30 days, others get a new HP for each app. I don't know why -- go into it prepared for another HP; be thankful if you don't get one.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

AllZero · ‎02-19-2020

Expect another hard pull. You may luck out and not receive one.

Anonymous · ‎02-19-2020

@AllZero wrote:
Expect another hard pull. You may luck out and not receive one.

Agreed. Any matter having to possibly to do with a hard pull, expect it. If it doesn't happen to be one in the end than great!

AverageJoesCredit · ‎02-19-2020

While you are trying for another can you ask them if i can get one? Thanks

mikesonthemend · ‎02-19-2020

They have pulled me for everything. Half my EQ pulls are PenFed.

Living through Darwinism is so much worse than learning about about it in school.

Anonymous · ‎02-20-2020

@AverageJoesCredit wrote:
While you are trying for another can you ask them if i can get one? Thanks

I am afraid to ask for another one lol.

Meanmchine · ‎02-20-2020

Good luck !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching

PullingMeSoftly · ‎02-21-2020

When I app'd for a second card a week apart, the same HP was used. Spoke with a CSR at the time who checked with UW to ensure it would not be a new pull, I suggest you do the same.