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Recon denied. Email said the maximum limit was approved at time of application. $3500? Ok, I'll wait for the "quarterly offer" to show up? Where do I look?
When you log in on the desktop, lower right hand corner you'll see "My Offers" and there'll be left and right arrows. You can scroll through them. I think they're on the mobile app as well.
@cashorcharge wrote:When you log in on the desktop, lower right hand corner you'll see "My Offers" and there'll be left and right arrows. You can scroll through them. I think they're on the mobile app as well.
Mine just screams "turbo tax"
New member here (as of today).
If their EQ monitoring service provides a FICO 9, is it safe to say that's the model they use for CC apps? My FICO8 is at a humble 651, but my FICO9 is at a 709 for some reason. I'd feel alot more confident applying if they used FICO9.
Util is at AZEO, but 2 CCs are only 2 months old...think that's a credit-seeking deal breaker?
@Anonymous wrote:New member here (as of today).
If their EQ monitoring service provides a FICO 9, is it safe to say that's the model they use for CC apps? My FICO8 is at a humble 651, but my FICO9 is at a 709 for some reason. I'd feel alot more confident applying if they used FICO9.
Util is at AZEO, but 2 CCs are only 2 months old...think that's a credit-seeking deal breaker?
If you want to improve your chances. At least wait minimum 6 months between applications. Perhaps, address your credit profile to improve your scores during that waiting period.
@Anonymous , To confirm, since I wondered the same thing. Yes, PenFed will use your F9 score. In fact, they state that under your provided score.
BK7 -9/15 Starting EQ-571 | TU-528 | EX-572 ---> Feb'24- Fico8: EQ-756 | TU-759| EX-751 Fico9: EQ-804 | TU-813 | EX-806
Amazon Store 10,000 * Apple Card-GS 12,000 * Barclay View 11,400 * Citi Costco Visa 8,100 * * Citi BB Visa 10,000 * Discover 8,100 * Discover Miles 14,500 * Eddie Bauer 4,000 * Home Depot 10,000 * HSN 10,000 * Kohls 3,000 * NFCU Flagship 30,000 * NFCU AMEX 25,000 * PenFed Gold 12,500 * Sam's Club MC 15,000 *Wells Fargo Platinum 1,100 * Wells Fargo Autograph 20,000 *
Total CL $204,700 Util% >1% AAOA: 62 Mo
Ok, so new member here with a savings account. Few questions, do I need to have a checking account in order to apply for a credit card???
Also, is the checking account a hard pull, and if so, will that pull be used for 90 days towards any other credit apps?
@Dmessina666 No, You don't need a checking account to apply for a credit card. Others will chime in soon.
I joined and opened a savings account - 1st HP....I applied for the PCR - 2nd HP
I called time see if I could use the 2nd HP for another product and was told no. YMMV.
Welcome to PenFed! Good luck on your app.
I guess I'm one of the lucky ones. No HP for the savings account. I'm waiting to apply anyways, at least 6-12 months.
I figured this will be a good time to get my foot in, and have a percentage of my salary head over to the savings.