PenFed Approval - myFICO® Forums - 6163045

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Just discharged chapter 7 in March of this year. Burned almost every major bank including Cap One and Discover.

In June I signed up for a SELF loan then in August got the Chime Credit Builder Card.

Credit Karma currently shows scores around 660.

I remembered I had opened a penfed savings account in 2016 with $5. Signed in today and opened a checking account to go along with it. I figured it was worth a shot so applied for the Power Cash Card and got an instant approval with a $7500 SL.

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17 REPLIES 17

Congratulations on your approval!

Message 2 of 18

Wow!! Congrats on your Penfed approval!!

Message 3 of 18

Congrats on the approval!! Looks like your on the right path!!! 👍🏻

Message 4 of 18

Congratulations on your PenFed approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 5 of 18

Grats on the appoval and nice SL.

I just opened mine last week (still waiting on the card).

Don't forget to stick $500 in the Access America checking account to get the full 2% CB unless you are active/retired military...

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Lowes $25,000 APR 26.99%

Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):

Message 6 of 18

Congrats, great comeback!

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

Amex Gold │ NPSL │ $20,000 POT

Amex Blue Business Plus │ $25,000

Amex Hilton Honors Business │ $10,000

Amex Hilton Honors Aspire │ $25,000

Amex Hilton Honors Surpass │ $15,000

Amex Blue Cash Preferred │ $25,000

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $29,800 │ 5% selectable rotator

Citi Custom Cash MC │ $18,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Discover IT │ $11,000 │ 5% rotator

GS Apple MC │ $26,000

TD Bank Target Circle Card │ $2,500

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

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@Anonymous, Welcome to the forum!

Congratulations on your Penfed Approval..

Message 8 of 18

Congrats on your approval!

AMEX Hilton Honors Surpass | $20,000

BoA Premium Rewards | $37,500

BoA Customized Cash Rewards | $6,000

Chase Sapphire Preferred | $14,500

Chase Freedom Unlimited | $16,600

Chase Freedom Flex | $12,400

Chase Freedom | $500

Chase Amazon Prime Rewards | $22,100

Discover It | $15,500

PNC Points | $12,500

PSECU Alumni Rewards | $25,000

Best Buy Visa | $3,250

Google | $2,700

Wolf Furniture | $8,500

Target RedCard Debit

Message 9 of 18

Very nice, a great SL for you, congrats on it and welcome to posting on myFico

Message 10 of 18