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Approved for a goal card!

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Credit_Master
Regular Contributor

Approved for a goal card!

Hi everyone,

 

I applied and was approved tonight for a Penfed PCR card. It has been a goal card since my BK7 discharge in April 2021. Guess it is time to close my two secured cards as this new card will be my daily driver moving forward. Time to garden for a while now. Thanks to everyone who posted their PCR approvals post BK. 

 

Credit_Master

Financial Institutions

Current Cards

Goal Cards

Total CL $45,950
Message 1 of 27
26 REPLIES 26
M_Smart007
Legendary Contributor

Re: Approved for a goal card!

Congrats on your PenFed PCR Approval!

Message 2 of 27
SUPERSQUID
Valued Contributor

Re: Approved for a goal card!


@Credit_Master wrote:

Hi everyone,

 

I applied and was approved tonight for a Penfed PCR card. It has been a goal card since my BK7 discharge in April 2021. Guess it is time to close my two secured cards as this new card will be my daily driver moving forward. Time to garden for a while now. Thanks to everyone who posted their PCR approvals post BK. 

 

Credit_Master


CONGRATS !!!!!

I have been posting for the last month or so that Penfed seems to approve this card easier right now. I got mine early december with a bk7 showing and other bk's have also been approved

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 80k
Retired since 2017
Message 3 of 27
AMJ50
New Contributor

Re: Approved for a goal card!

I applied and was accepted for the Gold card two months ago. Everyone said it was the easiest card to get.But, now I feel like I left the best cards on the table.

Message 4 of 27
M_Smart007
Legendary Contributor

Re: Approved for a goal card!


@AMJ50 wrote:

I applied and was accepted for the Gold card two months ago. Everyone said it was the easiest card to get.But, now I feel like I left the best cards on the table.


The PenFed Gold card is more of a BT card. So no real rewards.

I personally have the Power Cash Rewards and The Platinum Rewards

Message 5 of 27
SUPERSQUID
Valued Contributor

Re: Approved for a goal card!


@AMJ50 wrote:

I applied and was accepted for the Gold card two months ago. Everyone said it was the easiest card to get.But, now I feel like I left the best cards on the table.


I wouldnt look at it as a negative. its a foot in the door. if you use the account well im sure more cards with them are on the horizon.

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 80k
Retired since 2017
Message 6 of 27
mgood
Valued Contributor

Re: Approved for a goal card!

Congrats! That's a great card to have.



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 769, TU8 760, EX8 772 as of Jan 29
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE4 - 7% Utl - New Accts: 1/6, 2/12, 5/24
Message 7 of 27
CH-7-Mission-Accomplished
Valued Contributor

Re: Approved for a goal card!


@Credit_Master wrote:

Hi everyone,

 

I applied and was approved tonight for a Penfed PCR card. It has been a goal card since my BK7 discharge in April 2021. Guess it is time to close my two secured cards as this new card will be my daily driver moving forward. Time to garden for a while now. Thanks to everyone who posted their PCR approvals post BK. 

 

Credit_Master


Congrats!    I noticed you also have an Andrews FCU Visa card.   Is that secured or unsecured?   When were you able to get it?

Message 8 of 27
Reviewers
Established Contributor

Re: Approved for a goal card!

@Credit_Master I wouldn't close a card but congratulations on the PenFed PCR approval which was your goal card! Happy you met that goal.

My Scores:


Wishlist Cards:
Capital One Venture X
Message 9 of 27
Anonymalous
Established Contributor

Re: Approved for a goal card!

Wow, that's quite a lineup of cards with a bankruptcy that's not even a year old. Congrats!

Message 10 of 27
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