No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi Everyone,
Thought I share my DP for anyone intrested in Penfed
Product approved and Limit: Power Cash Rewards $3,500
EQ 08 Fico: 681
Instant or Review: Instant
POI: None
AAOA: 8 years 10 months
Derogs?: BK7 Discharged 7/26/2018
Util: 15%
Total EQ Inquiries: 0
Last 12 months: 0
Last 6 months:0
New Accounts in last 12 months: 0
Last 6 months: 0
If I did not see all these updates of approvals, I would have not have the courage to apply. Thank you all!
I started my application, but when I tried to upload my ID, SS card and utility bill, it wouldn't accept my documents.
Should I call in tomorrow or try again? My EQ and EX are frozen. Which score do they pull for cc?
They pull EQ. And they will inform you that you need to unlock it and then remind you to relock it again.
And yes, you should call them, they are very helpful over the phone.
And to an earlier poster, you should call them too, instead of waiting in the queue. That's what I did during each follow up step during the income verification and such. I was always polite and appreciative of their help and they were more helpful for it.
My application had been sitting for a few days with no updates, FYI.
Thank you @Anonymous EQ FICO8, FICO8 Bank Card or another? Is a recent (Covid) min required score listed somewhere in this thread?
Power Cash Rewards - SL 5k Approved in July 2020 - 3 months after BK discharge.
EQ 08 Fico: 679 - This is what the sheet said, I have a 660 right now.
Instant or Review?: Instant
POI? No
AAOA: 3 years, 9 months
Derogs?: BK7 - Discharged 4/15/2020
Util: 2%
Total EQ Inquiries: 4
Last 12 months: 0
Last 6 months: 4
New Accounts in last 12 months: 0
Last 6 months: 3
Been a member since 2015($5 left in savings), which I believe influenced my approval.
I just joined and opened a savings account with $100 deposit today.
Power Cash Rewards - SL 3.5k
EQ 08 Fico: 662
PenFed HP - 2 (1 membership, 1 CC app)
Instant or Review?: Instant
POI? No
AAOA: 8 years 7 months
Derogs?: 2018- All Paid 1 CO 2 CA 1 30 late
Util: 49%
Total Non Mort EQ Inquiries: 2
Last 12 months: 1
Last 6 months: 1
New Accounts: 1
Last 12 months: 1
Last 6 months: 0
1st statement cut 9/25
Reported to EX 9/26
Haven't been a member long. App'd for the Power Cash previously and was approved. Decided to ask for another this week
Gold Visa - SL $15,000
EQ HP Fico 834
Reviewed...took 1 week to finalize
No POI
AAoA 9.3 years
No Derog
1% Util
4 new accounts in the last 12 months..all in the last 6 months
@cashorchargewas it another HP? I want to know if I should app for a 2nd card now too or leave it alone until an offer shows up?
@newmomnewme It was for me, yes. I did not get a pull when I joined, got a HP for the 1st card and another for this card too
Thanks @cashorcharge I will promptly got sit down now....I have 3 on EQ now.....2 from PenFed UGH.
I called to ask if they would pull again for a reconsideration request. CSR said no, just send the request through secure message since the recon request must be in writing. My EQ will be frozen tomorrow, so no more HP. I will let you all know how the recon goes.