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PFed & Citi Costco (w BK13)

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Valued Member

PFed & Citi Costco (w BK13)

About 3 days ago (I think) someone posted approval for the CCosto Anywhere. I debated for a whole 15 minutes and then I pulled the trigger...

Baaam! 9K approval...DP's= Ex-721, 13% Util, AAoA 5.3,CH13 (6.5 years ago, Very close for EE - I can almost taste it!)

BTW  - Thanks to the OP who told us about Citi - Good call!

 

Rewind back to Monday, I joint PenFed..did the $5, I applied for their Gold Card......They pulled (like usual & just like you all predicted) 

EQ-752, 13% Util, AAoA 5 .....Approved for ......1K (What???) I was surprised but not really given they iffyness feedback on F'ers postings.

They said due to BK13 & balance carrying on cards (mind you I'm carrying about 1 to 2% on about 3 cards)

 

I talked to CS, they said to send email and ask for a Recon. I did on Tuesday - They responded Friday and said NG. Again BK.

It's interesting how one Lender will provide plenty of opportunity and another one will wear PeeWee Herman tight pants! Smiley Very Happy

Message 1 of 29
28 REPLIES 28
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Super Contributor

Re: PFed & Citi Costco (w BK13)

Congratulations on your approvals!

Message 2 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)

@AllZero -Thanks.....

sorry for all the mispelling!..I always catch them after I posted them (ha-ha)

Message 3 of 29
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Valued Contributor

Re: PFed & Citi Costco (w BK13)


@BJ2017 wrote:

... approval for the CCosto Anywhere. 9K approval

...  PenFed ... Approved for 1K


Congrats! on the nice Citi approval Smiley Happy & Penfed ... well ... at least you're in with them. Look at the bright side, now it's just a matter of time until you get some of those famous "Penfed Offers" Smiley LOL

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 4 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)

@James_A  - Agreed, looking forward to it. Smiley Happy

 

Thanks

Message 5 of 29
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Super Contributor

Re: PFed & Citi Costco (w BK13)

Congrats on your approvals! Sorry about PenFed but at least it wasn’t a denial like so many of us got 😂



Message 6 of 29
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Super Contributor

Re: PFed & Citi Costco (w BK13)


@James_A wrote:

@BJ2017 wrote:

... approval for the CCosto Anywhere. 9K approval

...  PenFed ... Approved for 1K


Congrats! on the nice Citi approval Smiley Happy & Penfed ... well ... at least you're in with them. Look at the bright side, now it's just a matter of time until you get some of those famous "Penfed Offers" Smiley LOL


What offers? OP joined dirty. PenFed is infamous for not giving those to people who join dirty for a LONG time. 




Message 7 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)


@Saeren wrote:

@ a matter of time until you get some of those famous "Penfed Offers" Smiley LOL

What offers? OP joined dirty. PenFed is infamous for not giving those to people who join dirty for a LONG time. 


 

Oh Great - Now you Tell me, Gonna place that CC on the SD!

Message 8 of 29
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Valued Contributor

Re: PFed & Citi Costco (w BK13)


@Saeren wrote:

@James_A wrote:

@BJ2017 wrote:

... approval for the CCosto Anywhere. 9K approval

...  PenFed ... Approved for 1K


Congrats! on the nice Citi approval Smiley Happy & Penfed ... well ... at least you're in with them. Look at the bright side, now it's just a matter of time until you get some of those famous "Penfed Offers" Smiley LOL


What offers? OP joined dirty. PenFed is infamous for not giving those to people who join dirty for a LONG time. 


Wouldn't a "LONG time" fall under the category "matter of time"? Smiley Wink 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 9 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)


@James_A wrote:

@Saeren wrote:

..  PenFed ... Approved for 1K

Congrats! on the nice Citi approval Smiley Happy & Penfed ... well ... at least you're in with them. Look at the bright side, now it's just a matter of time until you get some of those famous "Penfed Offers" Smiley LOL


What offers? OP joined dirty. PenFed is infamous for not giving those to people who join dirty for a LONG time. 


Wouldn't a "LONG time" fall under the category "matter of time"? Smiley Wink 


Whether is secluded for a "Long Time" or Isolated in "Dark Matter".......I feel Dirty Smiley Embarassed

Message 10 of 29
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