Pentagon Federal Credit Union Data Share

[Anonymous]

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@NYFan63 wrote:
@Anonymous - just called Penfed - APPROVED for $33k @17.99%!!!! WOW!! Thanks for the encouragement. This is my highest CL!! Will post stats when I get home!.

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Incredible! Congratulations!

[Anonymous]

Great thread! Thanks, baller!

[Anonymous]

Product approved and Limit: PenFed Platinum Rewards $9K
EQ Fico Score: 725
Penfed Nextgen Score: 703
AAOA: 4 years
Derogs?: 1 30 days late 4 years ago

Total EQ Inquiries: 4

Last 12 months: 4

Last 6 months: 3
New Accounts in last 12 months: 1

Last 6 months: 0

[baller4life]

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@Anonymous wrote:

Great thread! Thanks, baller!

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Thanks ML. I just thought it would be nice to have one thread to gather all the Penfed data instead of members having to search different threads.

[Loquat]

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@tussking wrote:

@Anonymous Baller - Approved $1k @17.99. Do I press my luck and apply for a promise too ? 

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Congrats!  Happy it worked out for you!

[Loquat]

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@NYFan63 wrote:
@Anonymous - just called Penfed - APPROVED for $33k @17.99%!!!! WOW!! Thanks for the encouragement. This is my highest CL!! Will post stats when I get home!.

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Sweet!

[dapps06]

Reading through this thread has me so tempted to leave the garden, I'm at 9 months currently.

I haven't checked my EQ in months but I believe it's somewhere around 680-690. 22 INQ's though three fall off this month, they may be gone already. I have five inquiries in the past 12 months and four new accounts in that time.

Overall utilization is around 30 percent, but three cards are over 70 percent. I have one negative, a settled Wells Fargo auto loan, from July of 2010.

I'd like to transfer about 7k so I'd really only want to apply if I could get a 10k limit. I'd be fine with the Platinum Rewards, Promise, or Cash Rewards.

Should I even bother?

[baller4life]

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@dapps06 wrote:

Reading through this thread has me so tempted to leave the garden, I'm at 9 months currently.

I haven't checked my EQ in months but I believe it's somewhere around 680-690. 22 INQ's though three fall off this month, they may be gone already. I have five inquiries in the past 12 months and four new accounts in that time.

Overall utilization is around 30 percent, but three cards are over 70 percent. I have one negative, a settled Wells Fargo auto loan, from July of 2010.

I'd like to transfer about 7k so I'd really only want to apply if I could get a 10k limit. I'd be fine with the Platinum Rewards, Promise, or Cash Rewards.

Should I even bother?

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You are definitely in the strike zone. Only 4 new accounts in past yr. 680+ fico. One older baddie. The only concerning part is the 3 accounts over 70%. But I'm sure you could explain that if need be. Platinum Rewards I know has 0% bt for 12 months. Promise is 4.99% for 12 months. Not sure about Cash Rewards. I say it's worth a shot.

[dapps06]

So I just was approved for membership, I guess, I was given an account number. Do people usually get approved for a card if they're approved for membership or are their UW requirements much more strict for their cards?

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

Great thread! Thanks, baller!

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Thanks ML. I just thought it would be nice to have one thread to gather all the Penfed data instead of members having to search different threads.

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I have learned so much from this thread and my accounts are almost a year old! It's great to have it in one place!