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Well posted in another section I have some spend for a few upcoming weddings and wanted yet another bonus so mulled over who to go for.. Decided lets hit up PenFed.. I have a long relationship overall with them 5+ years? Have had a 70k auto loan paid off through them also had a 13k person loan paid off through them along with currently Also have a 27k 2% PCR card with them.. Honestly wasn't sure what to expect from them was guessing a 5k approval as max unsecured is 50k with them in CCs, but use them as my primary FI so figured give it a shot although they have became very tight recent and got an instant approval for more than I thought I would.. Not thrilled with the APR% as EQ 09 is around a 780 atm and basically the same for my 08 score right around there.. > 20 Inquiries on EQ since everyone pulls EQ where I live, granted CU's particularly like EQ regardless of where you live. AAoA still over 3 years somehow income is 6 figures, tons of new accounts as alot of you know thanks to @FinStar and @Mahraja for having to keep up with the "Jones" on CC approvals. Anyways 15k Approval so putting my total exposure with CC with PenFed at 42k. Maybe they are loosening up a bit again? Still disappointed on APR with said score think they could of offered better, but obviously no balance will be carried on card. So although 2500 in spend still a decent no AF card with a few perks if ever decide to get rid of AF cards. That is all, feel free to ask any questions
You live in the territory that was originally the purview of EQ, hard to break old habits, its like in CA everyone pulled EX. Grats on the new card, not too bad of a SL!
@gdale6 wrote:You live in the territory that was originally the purview of EQ, hard to break old habits, its like in CA everyone pulled EX. Grats on the new card, not too bad of a SL!
Yeppers since i live close to Georgia where EQ is based out of :/.. So suppose they have alot of the contracts around the areas and as you stated most people in CA get hit with experian hp's. It is what it is and if I was to ever take a break from applying I would have so many hp's .
Thanks for congrats though and happy with SL considering have 42k with them in CC's now which is very resepectable for my income IMO with a lender that has become alot more conservative in the last year or two.
@FinStar wrote:
Awesome approval @CreditCuriosity!! It shows that your profile is indeed prime for a good SL with PenFed given the strength of your profile and recent activities 😁
I realize there's a good number of folks who are not PenFed BFFs, but different strokes for different folks I suppose. So, this leaves room for another CC, but I'm sure you can grow this one to their max exposure. Well done my friend!
Do you have the PLOC as well? I can't recall with all your vast approvals lol 😄
Appreciate use to have a PLOC with them, but found no use for it so closed it down as still have a LOC with other FI's. Maybe one day ill hit the 50k cap.. Shall see. Penfed works for some and not others that is for sure.
Congrats CC!
Hey I thought the $50K max with them includes all unsecured credit such as PLOC, PL? Or is that $50K just for unsecured credit cards?
Congratulations @CreditCuriosity on your well-deserved success.and i am happy a lot buddy well done my friend a great Approval without a doubt
@JR_TX wrote:Congrats CC!
Hey I thought the $50K max with them includes all unsecured credit such as PLOC, PL? Or is that $50K just for unsecured credit cards?
Actually you are correct. Thanks for correcting me for others DPs