PenFed Power Cash Rewards Visa Signature

[AverageJoesCredit]

Lol thats my favorite @UncleB gif along with the baby and Ohh!

[rockstar53]

Curious to ask, how long were you a PenFed customer before applying?

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@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.  

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[bizarrocreditworld]

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@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.  

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Congratulations on the nice SL and APR. 

[tcbofade]

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@rockstar53 wrote:

Curious to ask, how long were you a PenFed customer before applying?

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@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.  

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Roughly two years.

[AverageJoesCredit]

2 years is ALOT of Tacos🌮

[UFGuy2006]

Congrats! Any other PF accounts?

[tcbofade]

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.  

[Anonymous]

Congrats @tcbofade ! 

[nuohlac]

Congrats on your approval and excellent SL!!!

[Adkins]

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@nuohlac wrote:

Congrats on your approval and excellent SL!!!

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Congratulations, Taco! 😀