Congrats
Penfed liked the fact uou didnt have alot of credit.Seems they like to be your main nowadays
Penfed liked the fact uou didnt have alot of credit.Seems they like to be your main nowadays
@DaveInAZ wrote:Hmm, I had something strange from Penfed, a personalized snail mailer encouraging me to app for the Penfed Gold Visa. I reads: "Dear (My Real Name) as a valued Penfed member we have a special offer just for you. The Penfed Gold Visa has our lowest rate APR....." It touts and standard bennies on the card - $100 SUB for $1500 spend, 0% for 12 months, etc. No pre-qual code, so probably just marketing, but the first time I ever got a mailer from Penfed encouraging me to app for a specific product. I've been a member since May 2017 and have never got a quarterly pre-qual offer.
I'm inclined to pass. They approved me for a PCR when I joined but only with a low $1200 CL. When I was approved for the PayPal 2% Cashback card with $7k SL (now $10k auto clis) I closed PCR and Access checking and just kept Share savings, but I do have a nice HELOC with them.
Like this one? I was checking to see if was just pure marketing or not. I haven't tried for a card since my denial last year, I think in March.
@kugel wrote:
Asking for someone what’s is chance Of approval for card ?
is average age is a year and half now and he has three credit cards Amazon for year and discover which is almost a year with $1000 credit line and another card Walmart and a AU card that’s 3 years old 10k
Score is 719 Fico
Score seems less important versus DTI ratio.