Hi Everyone.
After choosing post DC rebuild cards displayed below in my siggy all was settled in my mind to simply sit & wait out the entire of 2021. With my NFCU nRewards card set to go unsecured in a few months (March or April), it was a logical step to just work toward SP CLI's on the cards already approved for. It's also a first ever effort for me starting from bare scratch after a torturous BK7.
It bares mentioning that i had a single PenFed CC about 4 years ago in good standing at $5K that i eventually closed to maintain where my lowest CL would be to the $10K level and keep U/W eyes looking up not down on new tries.
Combing thru recent and not so recent PenFed threads/replies/data points out of pure curiosity, interesting results began to emerge which got me to thinking. I honestly had no intentions to add to the stack of Inquiries accumulated from efforts took to stage up something/anything worth building on farther down the line.
I was a member of PenFed from a few years ago but had'nt put all that much confidence forward with them since NFCU had already proven strong in limits and approvals for me such as APR reductions and CLI's etc.
To be honest i didnt think that i had a snowball's chance (at this point in time) but it screamed at me to fill out an application and if so suck up another waste of time/inquiry. NFCU has my EQ 9 showing 703. So on that particular statistic coupled with ongoing AZEO it seemed there might be a lucky star outside chance.
To my somewhat surprise and welcome relief it came back with an Instant Approval. Completed the resulting process and got the Congratulations email too.
For useful data points, i was declined 12/22 not even 30 days ago for the PCR. Next month is 1 year post filing not dc if that is something which might prove useful to others trying to edge their way up.
This is my highest limit approval post dc. Conventional wisdom chatter from our resident FICO guru's seem to indicate $5K can often be some threshold looked at for future advancements. I'm just happy to finally be back in with PenFed with an active card account again.
Congratulations on your approval! Thank you for sharing the data points!
Congratulations!
EQ8 780, TU8 748, EX8 771 as of January 10
Good SL out of PenFed, grats on it 
Congratulations! 🤗
Congratulations on your PenFed approval!