Congratulations on your new found liquidity.
PenFed is a little wonky in the way they do things. Most lenders will not approve with a BK on file so be thankful they you got a clear at all. Not surprisingly a BK will ask for more on the APR as you are not considered as good of a borrower. PenFed can be stingy at times so I am not particularly surprised as a Military CU hates borrowers that do not repay their debt your terms are subpar. Lastly you need to remember that right now you are in the middle of a pandemic where all terms are going to be worse since the borrowers scores might not properly reflect their employment properly so your local CU offer means nothing as it was in good times.
TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 01/11/21
Active:
Bank of America (Better Balance Rewards MC, Cash Rewards WMC, Cash Rewards VSC), Barclay AARP MC, Capital One (Quicksilver VSC, Walmart WMC), Chase(Amazon Prime VSC, Freedom VSC, Freedom Flex WEMC, Freedom Unlimited VC), Citi Dividend MC, Citizens GreenSense MC, Discover It C, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, HSBC Cash Rewards WMC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Synchrony Bank PayPal Cashback MC, TD Bank Redcard S, UMB Bank Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC, Cash+ VSC)
Wishlist: AOD Signature, Bellco Colorado Rewards, Citi Custom Cash, EBates, Nusenda Platinum Cash Rewards, Ollo Optimum, Santander Ultimate Cash Back, Security Service Power Travel Rewards, Vantage West Connect Rewards
