I've been wanting in with PenFed for a while, but decided to do six months without an app to try and avoid their pyramiding thing. Six months is today, so first thing this morning I signed up and pulled the trigger on the Defender Visa. Instant approval for $4K at 10.24%. EQ pull. Note: They didn't ask for any documents. This is nicely convenient, but a little disappointing. I had everything scanned to pdf and read to go!
After I warmed up my app finger, I took a shot at the Double Cash. Instant approval for $3600 at 16.24%. EX pull. Note: I had a pre qual on their site at 23.24%. This seemed high for my profile, so I apped direct.
Next, since the change credit limit link was appearing in my USAA Mastercard account, I hit it. Bumped from $7K to $10K. EQ pull. Note: This is my 5th account at $10K or higher and, honestly, this amazes me considering my crappy income and dinky spending.
And finally, lest my TU file feel neglected, I tried for a CLI on my BECU credit line. This ended up being a wasted pull. It went to under review for a while, and just changed to not approved. I thought about jumping on the soft pull pre approval for a credit card that's appearing in my account, but decided that consolation was a silly reason to grab a card.
Now I'm done apping forever. I think. Probably. Maybe.
Pre-app profile metrics:
Fico 8 scores:
TU: 788 | EX: 771 | EQ: 764
All files clean.
AAoA: 4.1 years
Oldest account: 36.2 years
Utilization: < 1%
Tradelines reporting: 16 total, 9 open, 7 closed.
New accounts past 12 months: 7, but one is hidden.
Inquiries:
TU: 6, with 1 in the past 12 months
EX: 6, with 3 in the past 12 months
EQ: 6, with 3 in the past 12 months
@Anonymous wrote:I've been wanting in with PenFed for a while, but decided to do six months without an app to try and avoid their pyramiding thing. Six months is today, so first thing this morning I signed up and pulled the trigger on the Defender Visa. Instant approval for $4K at 10.24%. EQ pull. Note: They didn't ask for any documents. This is nicely convenient, but a little disappointing. I had everything scanned to pdf and read to go!
After I warmed up my app finger, I took a shot at the Double Cash. Instant approval for $3600 at 16.24%. EX pull. Note: I had a pre qual on their site at 23.24%. This seemed high for my profile, so I apped direct.
Next, since the change credit limit link was appearing in my USAA Mastercard account, I hit it. Bumped from $7K to $10K. EQ pull. Note: This is my 5th account at $10K or higher and, honestly, this amazes me considering my crappy income and dinky spending.
And finally, lest my TU file feel neglected, I tried for a CLI on my BECU credit line. This ended up being a wasted pull. It went to under review for a while, and just changed to not approved. I thought about jumping on the soft pull pre approval for a credit card that's appearing in my account, but decided that consolation was a silly reason to grab a card.
Now I'm done apping forever. I think. Probably. Maybe.
Pre-app profile metrics:
Fico 8 scores:
TU: 788 | EX: 771 | EQ: 764
All files clean.
AAoA: 4.1 years
Oldest account: 36.2 years
Utilization: < 1%
Tradelines reporting: 16 total, 9 open, 7 closed.
New accounts past 12 months: 7, but one is hidden.
Inquiries:
TU: 6, with 1 in the past 12 months
EX: 6, with 3 in the past 12 months
EQ: 6, with 3 in the past 12 months
congrats 
Nicely done! WTG Cap! 
Congrats!
@Anonymous wrote:...Note: They didn't ask for any documents.
Oldest account: 36.2 years
You're in with PenFed! I'm betting they don't ask for docs unless you claim income over a certain threshhold.
That oldest account age is impressive!
