Penfed Approval then Recon

Creditdreamer · ‎02-06-2019

I was approved for a Penfed card middle of January with $1000 limit when my Capital One was showing a $9000 balance and overall utilization was at 35%. I thought the updated utilization had posted but I guess not. Called today and asked for a recon because I still hadn't activated the card because $1000 is semi useless for what I wanted it for. They asked all the app questions again and filled out all the info because it had to be a hard pull. Then they increased it to a $6000 limit! Score!

Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

SFLSpotter9210 · ‎02-06-2019

Congratulations on your approval and subsequent recon great job 😎.

Marz2002 · ‎02-06-2019

CONGRATULATIONS on the AWESOME Recon!!!

Anonymous · ‎02-06-2019

Congrats on your approval !!!!

difringe · ‎02-06-2019

Congratulations on the successful recon!

xaximus · ‎02-06-2019

Congrats on the approval and recon!

Scores - All bureaus 770 +
TCL - Est. $410K

19eighty5 · ‎02-06-2019

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎02-06-2019

Congrats!

Silly questions - I want to add PenFed to my arsenal. Do I apply for the credit card first or the membership first on their site?

Thanks!

Creditdreamer · ‎02-06-2019

I applied for the membership first. I don’t think it much matters though since I never ran any money through the account at all.

Thanks all for the congratulations! I’m excited!

Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

AverageJoesCredit · ‎02-07-2019

Dream on Dreamer