I know the AT just happened so I took a stab at it the Cash Rewards card. I knew it would decline and I would have to recon. I applied on Thursday and reconned. They responded Friday morning to send it for review and the pending popped up, then the review icons popped up. In the past, I would get a decline like and hour or so later but the application is still in review. Could I be looking at an approval?
Gardening since 12/15/2019. Goal 12/15/2021
They declined again, so I closed all my accounts with them including a $750 Thrifty Line. I'm done trying to increase my relationship with them when they clearly don't want my business. Everything shouldn't be a fight. I don't have to do this with NavyFed. The rep said he had some tools to get my score up for other banks but I don't have a low score score according to other banks. It's not the highest but certainly not the lowest and that PenFed uses a different scoring system from everyone else so one wouldn't necessarily affect the other. Oh well. I've been pruning the herd anyway for anything under $1000 on my TL. Goodbye PF.
Accounts too new. I've had them give me literally every reason in the book from Pyramiding debt to not enough credit to too many inquiries. I think they just pick random reasons to decline me at whatever point they see fit.