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PenFed and Comenity double app?

SilverSmith
Established Contributor

PenFed and Comenity double app?

Thinking of doing a PenFed (cold app) and Comenity SG Visa app (pre-approved) at the same time before heading back to the garden for a year. Have a new GS Apple Card that hasn't shown yet on the CRs. Wondering if that might be a bit too aggressive for PenFed and Comenity which in before times were both "sensitive".

 

Could easily hold off on the SG Visa but figured its a SP CLI grower while PenFed is a HP for CLIs and have no intention on wasting HPs for increases. All this is moot if the AA hammer comes swinging. Did have Comenity close 2 cards on me last year but that was for inactivity (CLs nothing to write home about). Smiley Very Happy





Message 1 of 5
4 REPLIES 4
Rebuild2019
Valued Contributor

Re: PenFed and Comenity double app?

Good Luck to you @SilverSmith

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 2 of 5
4sallypat
Established Contributor

Re: PenFed and Comenity double app?

I am in the same boat but due to a mortgage loan going thru soon, I am holding off on the PenFed app as I have a very good score according to them but don't want the HP.

 

Instead I have focused on 2 new SP accounts:

  • Sportsmans Guide Comenity bank - previously had their defunct Virgin Airlines card
  • X1 Card - invitation code

 

Both approved without incurring a HP.

 

Hoping my mortgage broker doesn't freak...

Message 3 of 5
FishingGuy
Regular Contributor

Re: PenFed and Comenity double app?


@4sallypat wrote:

I am in the same boat but due to a mortgage loan going thru soon, I am holding off on the PenFed app as I have a very good score according to them but don't want the HP.

 

Instead I have focused on 2 new SP accounts:

  • Sportsmans Guide Comenity bank - previously had their defunct Virgin Airlines card
  • X1 Card - invitation code

 

Both approved without incurring a HP.

 

Hoping my mortgage broker doesn't freak...


I wouldn't worry about the mortgage broker freaking.... but what about you?  Even though they are SP accounts,  won't the 2 new accounts once3 opened effect your score?  Why not wait til right after closing & have keys in hand to apply ?... the long term mortgage (rate) and home is far more iportant then the cc accounts.

Message 4 of 5
4sallypat
Established Contributor

Re: PenFed and Comenity double app?


@FishingGuy wrote:

@4sallypat wrote:

I am in the same boat but due to a mortgage loan going thru soon, I am holding off on the PenFed app as I have a very good score according to them but don't want the HP.

 

Instead I have focused on 2 new SP accounts:

  • Sportsmans Guide Comenity bank - previously had their defunct Virgin Airlines card
  • X1 Card - invitation code

 

Both approved without incurring a HP.

 

Hoping my mortgage broker doesn't freak...


I wouldn't worry about the mortgage broker freaking.... but what about you?  Even though they are SP accounts,  won't the 2 new accounts once3 opened effect your score?  Why not wait til right after closing & have keys in hand to apply ?... the long term mortgage (rate) and home is far more iportant then the cc accounts.


You are correct, normally I would wait until escrow closes but the X1 Card is unique and I had a limited time opportunity to apply as this is a waitlisted card.

 

Hoping the $21K credit line from X1 will help my score with utilization down to 3%....

Message 5 of 5
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