cancel
Showing results for 
Search instead for 
Did you mean: 

PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Frequent Contributor

PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

I joined PenFed with a savings account earlier this week. I applied for the PCR later that day and received the under review message, but got the approval email in a few hours with a $5000 SL! I opened the Access America Checking account the next and they did another HP (was really hoping they would use the same HP since I also declined the Overdraft LOC but oh well). Could I have avoided the second HP by applying for both products the same day?

 

I applied for the PayPal CBMC the day after - instant approval for a $8000 SL! I had previously applied for it about a year and half ago but got denied.

 

I also applied for the BBVA ClearPoints right after the PayPal card. I'm not in their footprint and they sent me 3 preapprovals in a month. Went to review, and then they asked for my DL and a utility bill over the course of the next few days. Got the approval email soon after that for a $1600 SL. Obviously not as excited about it as the other two SLs, but I'll take a small approval over a denial any day!

 

DPs:

 

  • 26 months since BK7 discharge
  • FICO 08 scores: 678 EQ | 673 EX | 656 TU
  • INQs: 2 EQ | 4 EX | 5 TU
  • UTIL: under 4%
  • AAoA: 3 years 4 months
  • AoYA: 5 months
Message 1 of 12
11 REPLIES 11
Highlighted
Senior Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congratulations on your approvals!
Message 2 of 12
Highlighted
Regular Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congratulations!  


Dec 19

Message 3 of 12
Highlighted
Super Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congrats!

Message 4 of 12
Highlighted
Frequent Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congrats!

Message 5 of 12
Highlighted
Regular Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congrats x 3, great approvals at one time. 

 

To answer your Penfed question, nope probably wouldn't have made a difference. They are notorious for the double HP. Cheers!

Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:734 EQ: 730 10-15-19
Ch. 7 DC 12/2014
Message 6 of 12
Highlighted
Senior Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congratulations on your approvals!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 12
Highlighted
Established Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congrats on the mini spree success!!








Message 8 of 12
Highlighted
Valued Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

Congratulations!



Message 9 of 12
Highlighted
Contributor

Re: PenFed PCR, PayPal Cashback MC, BBVA ClearPoints Approvals!

That's a nice limit on that PPMC with a 656 TU may have to throw my HP in the synchrony slot machine and give it a go 😂 but congrats on approvals! Excellent work





Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.