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PenFed denial

RonM21
Valued Contributor

Re: PenFed denial

Sorry for the denial but maybe a different outcome down the road. As stated already, your mileage may vary. All you have to do is read the approval threads for any card to see this. It can be a guessing game at times.
                

Total CL: $306.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 11 of 16
BfromAZ
New Contributor

Re: PenFed denial **UPDATE: APPROVED!!!**

Today, on a Sunday, I received an email that said congrats, card is on its way. This was after I spoke to them on Friday, was told denied. Called in today and was advised that a counter offer was approved, 5K for the Visa Plat. rewards Sig. 

Amex Blue and ED - Chase Amazon Prime - Discover - Capital One - PenFed Auto, Rewards, PLOC - Quicken Loans Mortgage - US Bank Cash Plus - Men's Warehouse - Trek-Synchrony Bank - Barclay Cash -
Experian FICO 819 - TransUnion 816 - EQ 824
Started 3 years ago in mid 500s - Goal to hit 800s by Fall 2017 (Left that goal there even though I hit it!!)
Message 12 of 16
Musiclover
Super Contributor

Re: PenFed denial **UPDATE: APPROVED!!!**

Well, that rocks! Congratulations! See you in the approvals forum!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 13 of 16
BfromAZ
New Contributor

Re: PenFed denial **UPDATE: APPROVED!!!**

It's already there. Do I change my signature now to include PenFed or must I wait?

Amex Blue and ED - Chase Amazon Prime - Discover - Capital One - PenFed Auto, Rewards, PLOC - Quicken Loans Mortgage - US Bank Cash Plus - Men's Warehouse - Trek-Synchrony Bank - Barclay Cash -
Experian FICO 819 - TransUnion 816 - EQ 824
Started 3 years ago in mid 500s - Goal to hit 800s by Fall 2017 (Left that goal there even though I hit it!!)
Message 14 of 16
westcoastpeach1965
New Contributor

Re: PenFed denial

Congrats!
Scores 4/22/16: EQ-637, TU-624, EX-643. As of 6/12/16: EQ-674, TU-681, EX-670. GOAL: 800 across the board by end of summer 2018. Amex Platinum; Alliant Visa Platinum Awards ($7.5K); PenFed Platinum Rewards Visa ($6.5K); PenFed Travel Rewards Amex ($6.5K); Westgate Rewards MC ($5K); Amazon Rewards Visa ($2.5K); Virgin America Signature Visa ($2.3K); Williams-Sonoma Visa ($4K); WF Rewards Visa ($2K); Discover ($1.3K); Various Store Cards ($30K)
Message 15 of 16
mitchblue
Valued Contributor

Re: PenFed denial


@westcoastpeach1965 wrote:

@mitchblue wrote:

@westcoastpeach1965 wrote:

@mitchblue wrote:

I'm curious how many Inquires you had? It helps with Penfed if you have few, and not many recent.


Not sure I agree with this as I had about 10 within 2 months at that time and got their top two cards.


YMMV kind of thing. Not set in stone plus the OP's score aren't rock solid so they might have more of an effect. But yours are similar so what do I know.. Smiley Happy


My scores might not be "rock solid" yet, but I did manage to get two nice PenFed cards, so apparently, that's not all they're looking at.


Never said that. But it helps and people with higher scores have got no success. That's why I said YMMV.

Amex Green • Amex BCP • Amex HH (Aspire®) • Barclay Rewards • Chase World of Hyatt • Chase FU • Capital One Quicksilver • Discover it • PENFED Platinum Rewards • Marvel MC • Amazon Store • Kohls Store • CL $109,330 • Car Loan (PENFED) 1.99% PAID

FICO® 8 Scores 805-812 FICO® 9 Equifax 822
Message 16 of 16
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