PenFed - Time Between Applications?

[Anonymous]

So here is my history with PenFed:

-Opened my account with them in October 2015 and was approved for the Thrifty credit service at $500

-October 2015 turned down for a CC because I was an egyptian my ng2 score was 654 on the denial letter

-Instantly approved online to refinance my car for $35k in November

-Online they have my ng 2 scores as 691 as of 12/1/15

So my question is, how long between applictions should I wait to apply for a CC?  I'm asking because if 3-4 months is enough, I could apply before my mortgage hits my credit report and I would have 2-3 months of car payment history with them.  I'm thinking once the mortgage hits, I'm going to have to hold off until the late fall and show steady payments on that.  I'm at 4% utilization right now.  I wouldn't apply until the beginning of February when I have my utilization reporting down to 1 card and about 1%.  I close in a week and won't do anything until my loan funds, just want to get thoughts in advance.........

This is really the only card application I'm really really wanting this year and will work to keep gardening if that improves my chances.

Thanks!!!!!

[Gmood1]

If it hasn't been 90 days since last HP. I would app now. You have nothing to lose if that is the case. They'll probably approve you this go around.

[CreditCuriosity]

Big NG2 score increase from Oct to December you had!  As stated if within 90 days of when you opened your penfed account of last applying for credit it should be the same HP and no harm if you try again

[Anonymous]

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@CreditCuriousity wrote:

Big NG2 score increase from Oct to December you had!  As stated if within 90 days of when you opened your penfed account of last applying for credit it should be the same HP and no harm if you try again

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Yeah, I was shocked on the increase - hope it's not too good to be true.  

It looks like I was HP'd on 10/9 for the account opening and again on 10/27 for the auto refinance.  Hmmmm, strange they pulled twice. Just found out my sellers are not ready to close yet so 1/19 (after the mortgage funds) is the earliest I can apply.  With the score increase so big, it might not be to my advantage for them to use the same pull - just thinking out loud.......

I'm looking at the Platinum Rewards Visa (for gas and groceries), not sure that the Amex will be useful but it would be nice to have an Amex while costco still takes them.....

[Anonymous]

What's your biggest CL in a CC? They only offer Platinum Rewards Visa and Amex with a minimum CL of $5000. BTW, if they deny, you can ask them to change the application to Cash Rewards Visa.

[Anonymous]

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@Anonymous wrote:

What's your biggest CL in a CC? They only offer Platinum Rewards Visa and Amex with a minimum CL of $5000. BTW, if they deny, you can ask them to change the application to Cash Rewards Visa.

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I have 8 cards with limits in excess of $5K - the highest being $15k venture and $10k quicksilver.  Then I have an $8k, $7k and some $5k cards so I figured if I got approved the $5k minimum wouldn't hold me back - I just want to make sure I'm past them thinking I'm still an egyptian, cause I'm not, really I'm not..................