Pentagon Federal Credit Union Data Share

[Anonymous]

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@Anonymous wrote:

Thinking about apping for one of the cards and an auto re-fi.  I'm sure it's in this thread but what bureau do they pull?  I've got 753 ex / and low-mid 700's on tu/eq.  30% util.  What kind of limits are propl getting with those numbers and what type of auto re-fi %?

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My scores are pretty similar to yours. I joined Penfed about 1 month ago and got the Rewards card $11,500, Am Ex $22,000, and last week a $34,500  car (you can get a new car rate with a 2015 or better) refi for 1.99.  All this with one pull.  My util. is 6%. But my inqs. are ridiculous.  Penfed has been good to me.

I did try to recon my Rewards limit to match my Am Ex, but they said show some payment history first

[Anonymous]

thanks for the feedback, I'vegot a 2015 but at 5.9%, would love to save 4%!  My util is higher but not terrible, and my balance is at 0%.  So did you app for both those cards and did the 3 new accounts hurt your AAoA?

[Anonymous]

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@baller4life wrote:
Yep Loquat. Everyone you talk to over there is now saying 6 months before a cli. Doesn't surprise me.

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Well, that sucks.

[baller4life]

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@Anonymous wrote:
Am I correct they only do 1 hp for both accounts? Credit card and auto refi?

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Yes. 1 hp good for any product for 90 days.

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:
What are your limits? I just don't want a small starting limit. Would love 15-25

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I got $18k with a 693.

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Wow I am a big 'ole blue falcon, or a buddy f'er lol. I screwed it up for everyone. I'll go haze myself later.

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Lol oh hush! You did VERY well!

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:
Yep Loquat. Everyone you talk to over there is now saying 6 months before a cli. Doesn't surprise me.

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Well, that sucks.

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Yeah looks like they threw us a curveball Cap. Still hit the cli button before your 90 days are up folks. Just might get lucky!

[Loquat]

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@Anonymous wrote:
What are your limits? I just don't want a small starting limit. Would love 15-25

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Promise Visa $8.5k

Cash Rewards $5k

Plantinum Visa Siggy $5k

Travel Rewards $8.5k

[Anonymous]

What did you get captool?

[Anonymous]

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@Anonymous wrote:

thanks for the feedback, I'vegot a 2015 but at 5.9%, would love to save 4%!  My util is higher but not terrible, and my balance is at 0%.  So did you app for both those cards and did the 3 new accounts hurt your AAoA?

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My AAoA is not great so I didn't really see any effect with that. My scores actually went up 10 points when the car loan hit. I will probably lose them when Chase reports the 1st loan as PIF.  My payment is $80 less a month and I'm saving THOUSANDS over the course of the loan. 

The whole process was painless. I did right over the phone, took 20 mins. I had the check in hand in 4 days. Went to Chase with check and paid the car off. The hardest part about it is getting the title sent to the new lienholder. 

[Anonymous]

See, I'm applying in a few months for a mortgage and am afraid that this could hurt my score, then again, another credit card would help keep util at around 20%