Penfed access america checking account

[SnowBowl]

its not really a credit card topic but it can be down the roads with access america checking account setup you can have pathfinder card with no AF , but I am just wondering if its HP or SP for opening access america checking account ?  obviously for pathfinder it would be HP but does anyone on this site thinks penfed will approve me with this info see below , right from myFICO subscription or let it aged a bit more ?  Thanks for any info in advance.  

Time Since Most Recent Late Payment: 3 years 6 months

Time Since Most Recent Late Payment

3 years 6 months

Your most recent late payment.

[sznthescore]

Need more info in regards to profile... FICO score? Current cards? Any other derogatory info? Etc.

[SnowBowl]

---

@sznthescore wrote:

Need more info in regards to profile... FICO score? Current cards? Any other derogatory info? Etc.

---

here my current lineup  CFU , CSR , Discover ,  a couple of BOA and a couple of citi cards close to 50k CL combined on all those cards,  using around 3% of 50K CL had like 6 or 7 30 and  60's lates almost 4 years ago.  FICO8 EQ 728 score. clean otherwise that bad part  for 3.6 years. 

[SouthJamaica]

---

@SnowBowl wrote:

its not really a credit card topic but it can be down the roads with access america checking account setup you can have pathfinder card with no AF , but I am just wondering if its HP or SP for opening access america checking account ?  obviously for pathfinder it would be HP but does anyone on this site thinks penfed will approve me with this info see below , right from myFICO subscription or let it aged a bit more ?  Thanks for any info in advance.  

Time Since Most Recent Late Payment: 3 years 6 months

Time Since Most Recent Late Payment

3 years 6 months

Your most recent late payment.

---

You don't need an Access America account, you could also use the Free Checking account.  The key is that you need to either maintain a $500 minimum balance, or make $500 per month in direct deposits.

If you're talking about applying for membership with PenFed, I don't know if there's presently a HP for membership. But the latest thread I've seen, from last year, confirms no HP :

https://ficoforums.myfico.com/t5/Personal-Finance/Penfed-No-Hp-for-Membership/m-p/6501303