@Anonymous wrote:My post pertains to my DH - forgot to include that bit of info.
Thank you! All data is welcomed! 
Baller,
Another data point that may help is if you have multiple products from Penfed, how long in between applications. For me, that would be important to know how long it took to get approved for other Penfed products (i.e. immediately, 2 months, 6 months, etc...)
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
@Anonymous wrote:Promise approved 1/25/16 (Instant) 2.5K and Defender approved 1/27/16 (Review) 5K
Fico 8 EQ score - 693
Penfed ng score - 680
AAOA - 2.8 years
Chapter 7 d/c 7/14
Inquiries - EQ 11
New Accounts - 7 credit cards (last 12 mos.)
CLI attempted - 30 days after initial approvals (Denied - Egyptian)
CLI attempted - 5/3/16 (Denied) Too many new accounts (including Penfed's - but not an Egyptian anymore
)
This is very helpful. Thanks for sharing
@12njoy wrote:Baller,
Another data point that may help is if you have multiple products from Penfed, how long in between applications. For me, that would be important to know how long it took to get approved for other Penfed products (i.e. immediately, 2 months, 6 months, etc...)
Ok will add to OP. Thanks 12!
@baller4life wrote:
@12njoy wrote:Baller,
Another data point that may help is if you have multiple products from Penfed, how long in between applications. For me, that would be important to know how long it took to get approved for other Penfed products (i.e. immediately, 2 months, 6 months, etc...)
Ok will add to OP. Thanks 12!
Thanks Baller and weedeb. I'm going to try for a cli in 60 days. My plan is to use the card and immediately make payments after charges post since I am only working with 2 months. If I'm denied then I'll try again right before that 90 day period is up.
@Anonymous wrote:What can I say about PenFed other than they are at the top of my list of favorite lenders. Joined with dirty EQ last summer and promptly shut down. Tried again in October and promptly labled an Egyptian. Gave it a third try begining of April and fared well. Instant approval on the Cash Rewards to 16.5k but turned down on a second card or PLOC. Since I'd already taken a pull I also opened checking and apped for an auto loan. Still looking for the right truck to pull the trigger on the auto loan. The PLOC and Thrify Credit were a result of recon with a manager after completing a survey that was in my email (thanks MusicLover for the data point on this!). He reviewed and overturned the denials on those and made mention of my accounts, history and limits with NFCU.
Product approved and Limit: @1) Platinum Cash Rewards VISA - $16.5k @ 17.99% 4/3 2) PLOC - $5,000 @ 10.5% 4/20 3) Used Auto Loan - $25,000 @ 4.3% 72 months 4/15 4) Thrifty Credit OD $500.00 4/20
EQ Fico 8 Score: 684
Penfed Nextgen Score: 667
AAOA: 2 years 3 months
Derogs?: Unpaid auto CO on EQ 6.5 years old
Total EQ Inquiries: 32
Last 12 months: 32Last 6 months: 13
New Accounts in last 12 months: 31 (44 if including my closed Comenity accounts)
Last 6 months: 13
Interesting recon idea. I should try that on PLOC but they said they want to see payment history on Penfed Promise first so it's doubtful they would overturn.