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PenFed Platinum Rewards Visa Signature Approved!

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MugenCivicSi83
Frequent Contributor

PenFed Platinum Rewards Visa Signature Approved!

Product(s) Platinum Rewards Visa Signature Approved $11,500 Smiley Very Happy (my largest CL to date! - this card will get a lot of use since it has no FTF!)
EQ 08 Fico: 702
Penfed Nextgen: ???

Instant or Review?: Reviewed through LO and approved shortly after
POI? none required

AAOA: 3.2 years
Derogs?: 2 paid collections; 1 - 30 day late

Util: 16%

Total EQ Inquiries:

                Last 12 months: 4

                Last 6 months: 4
New Accounts in last 12 months: 3
                                 Last 6 months: 3

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 1 of 17
16 REPLIES 16
CreditMagic7
Mega Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

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Message 2 of 17
AverageJoesCredit
Legendary Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

SweetSmiley Happy What a great sl! Enjoy your new Penfed card should grow nicelySmiley Happy
Message 3 of 17
MugenCivicSi83
Frequent Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

Thanks AJC & CreditMagic! first round of drinks on me wherever we decide to go on vacation next year Smiley TongueSmiley Very Happy

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 4 of 17
AverageJoesCredit
Legendary Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

Lol! You may have to order two rounds cuz by the time you will probably have this puppy max limitSmiley Happy
Message 5 of 17
MugenCivicSi83
Frequent Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!


@AverageJoesCredit wrote:
Lol! You may have to order two rounds cuz by the time you will probably have this puppy max limitSmiley Happy

hahahaha! ok only my favorite myFICO'ers are invited. You are on the list. Smiley Very Happy

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 6 of 17
CreditMagic7
Mega Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!


@MugenCivicSi83 wrote:

@AverageJoesCredit wrote:
Lol! You may have to order two rounds cuz by the time you will probably have this puppy max limitSmiley Happy

hahahaha! ok only my favorite myFICO'ers are invited. You are on the list. Smiley Very Happy


Smiley Very Happy

Message 7 of 17
MugenCivicSi83
Frequent Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

So all excited, I log onto the mobile app again only to see my application status went from Approved to Withdrawn. I'm like whatt?!!!! I then proceed to login to my online account on my mac and see 'Withdrawn per Member request' on my application status! Has anyone ever seen this before? I'm a little at a loss for words as I did nothing since the CSR told me on the phone I was approved for $11.5k. What effect will this have on EQ now since I apped using my final Inq? Can they reverse the supposed withdrawal? This seems a bit crazy to me. 

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 8 of 17
baller4life
Super Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!

CALL first thing and get that straightened out. And yes it can be fixed. I have NO idea what could have happened!!
Message 9 of 17
MugenCivicSi83
Frequent Contributor

Re: PenFed Platinum Rewards Visa Signature Approved!


@baller4life wrote:
CALL first thing and get that straightened out. And yes it can be fixed. I have NO idea what could have happened!!

Called first thing and when I was on the website last night going to the application status page, I somehow 'cancelled' the application after they had approved it. Their UI on the website is horrible if I did indeed to that. They said that I could re-apply as there was nothing else that could be done, so I said ok as long as you only use the credit report you ran yesterday and they agreed. Back to approval on the same CL and they're expediting the card so I can't cancel it accidentally again. Now that's some great customer service if you ask me. Smiley Very Happy

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 10 of 17
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