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Curious to ask, how long were you a PenFed customer before applying?
@tcbofade wrote:$20,000 at 14.9%
EQ Fico 8, 723. (I know that they pull EQ 9, but I don't know what that score is right now...)
Edit: Got the "cost of credit" email this morning... EQ 9 was 731.
@tcbofade wrote:$20,000 at 14.9%
EQ Fico 8, 723. (I know that they pull EQ 9, but I don't know what that score is right now...)
Edit: Got the "cost of credit" email this morning... EQ 9 was 731.
Congratulations on the nice SL and APR.
@rockstar53 wrote:Curious to ask, how long were you a PenFed customer before applying?
@tcbofade wrote:$20,000 at 14.9%
EQ Fico 8, 723. (I know that they pull EQ 9, but I don't know what that score is right now...)
Edit: Got the "cost of credit" email this morning... EQ 9 was 731.
Roughly two years.
Joined PenFed October of 2017.
Applied for credit card. Denied.
Late in 2018, got a blank check in the mail for up to 25k personal loan. JUMPED on it. I make more than the minimum payment every month, and it's always early.
Applied for PCR in January of 2018, approved.... with a $500 limit. Not much help. I've used it twice and PIF'd both times.
Got my individual card utilization under 49%, then applied for the PCR Signature.
...apparently, PenFed cares more about individual utilization than aggregate.
Congrats on your approval and excellent SL!!!
@nuohlac wrote:Congrats on your approval and excellent SL!!!
Congratulations, Taco! 😀