Take a deep breath... Okay, I'm ready! So I applied for a Penfed Membership on Sunday with my EQ score at 690 I was approved for the membership over the phone and was asked if I wanted to apply for a credit card... I applied for the Cash Rewards Visa which was sent over to a loan officer.... after reading so many different stories on the forum I got scared and called in to find out my app status and also to see if it would be a good idea to apply for the Promise Visa ( Which is the easiest card to get approved for as I read on the forum) I was told yes I can apply and was also asked why I didn't open a checkings acct.... I applied for the checkings account and was approved for the $500 over draft.... She then applied for the Promise Visa... everytime she did something new she said " Don't worry it's the same pull" So the Promise Visa app went over to a loan officer as well....... So this morning I couldn't take the not knowing and decided to call CS and ask about my apps...... She said you were approved for the Cash rewards but denied for the Promise Visa... I said can you tell me the limit for the Cash rewards....... She said $13,500....... Whattttttttttt Omg... I asked the reason for the Promise denial and she said maybe bcus it was 2 apps...... I really thought It was a no go with either card bcus of the different stories here on the forum...... I'm still shocked... This is my highest limit....
