HI everyone, haven't really posted lately been have still been reading all the posts. Wanted to share my latest approvals which blows my mind. I have been with Penfed about 15 months I guess. Only ever put the 5 bucks in the savings that was required to join, thats it. No other deposits or anything. I have a 10K power cash rewards card from them that has 7k+ on it currently. I wanted to pay off a higher interest loan and get better interest and terms so I threw caution to the wind and applied with a 667 EQ9 score with 43% overall UTI. 70k income. They gave me a 16k Loan. I thought well they already did the hard pull, lets ask for a Penfed Gold Visa, boom 7500 @17%. OK cool I can use the padding on the UTI and take advantage of the 12 months no interest to get some other cards paid down(maybe even get rid of a card or 2 i dont need anymore - talking to you Credit One, you served your purpose). Started thinking to myself again which is never good, hey already did the hard pull lets see if they will give me an increase on my power cash card. Boom - 5000 CLI. Not sure if I am just lucky or if they are feeling generous. Just wanted to share and hope this might help someone. Stay safe all and have a Happy 4th!!
Congratulations 🎈🍾🎉🎊!!!! I think my apply finger is getting itchy 😂 🤣🤣🤣
Congratulations on your PenFed success!