PenFed Pathfinder Rewards Approval! - myFICO® Forums - 6438322

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Even though I've acquired a few cards since my BK7 was discharged in July, this is the one that I'm now the most excited about. I've read that PenFed is BK friendly, so I went ahead and opened up a savings account with them last month and then I was just wondering whether I should wait a little longer or go ahead and apply. So it's been just past 4 months since discharge and I just couldn't help it and I applied and was instantly approved!

And it comes with a 0% interest for 12 months on balance transfers which I will take advantage of immediately. The overall interst rate isn't the greatest, but hey, I'm just in the process of rebuilding my credit, but I'm really happy to get this card and now I will go back into the garden for the foreseeable future.

BK7 discharged - 06JUL2021
Loans:

ENT Auto Loan Re-Affirmed

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $8500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $16500 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $12500 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $16000 CL (opened 11/7/25)

Lands' End Visa $6800 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Williams Sonoma Signature Visa $7500 CL (opened 06/12/26)

AmEx Blue Cash Everyday Card $5000 CL (opened 07/15/26)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

2/6, 8/12, 10/24 new accounts
TCL: $239.4K

Message 1 of 14

13 REPLIES 13

Congrats for your new card!

Message 2 of 14

CONGRATS !!!!!!

Are you in a high income bracket?

Message 3 of 14

Congrats on the approval!

Message 4 of 14

Congratulations 🎊🎈🎉 on your PenFed Approval!!!

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX

Message 5 of 14

Congrats!

Message 6 of 14

That's a great approval! I love Penfed. They have great rates on car loans too. Keep them happy and you'll be rewarded.

Message 7 of 14

That's terrific!! Congratulations on your PenFed Approval!! 🥂🎉👏🏻

Message 8 of 14

Grats on your Pathfinder approval

Message 9 of 14

Congratulations on your PenFed Pathfinder approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 10 of 14