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Penfed Gold Card approved - bit disappointed

CreditAggie
Senior Contributor

Re: Penfed Gold Card approved - bit disappointed

Congratulations on your PenFed Gold approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 11 of 21
gdale6
Moderator

Re: Penfed Gold Card approved - bit disappointed

Grats on the Gold card Smiley Happy

Message 12 of 21
JeffMO
Regular Contributor

Re: Penfed Gold Card approved - bit disappointed

Congrats, take it and run!






Capital one 500, Discover 2600. UMB Signature visa 10k, DW UMB card Auth user 16K. Citi Costco anywhere 8100
AAOA 1y8m, oldest 3 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 3 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 13 of 21
cashorcharge
Valued Contributor

Re: Penfed Gold Card approved - bit disappointed

Congratulations with your new Penfed account.  
Similarly, I too just joined.  Haven't done anything yet with them other than establish membership.

Seems like you're on a good start!!!

Message 14 of 21
sb48
Valued Member

Re: Penfed Gold Card approved - bit disappointed

TY all for the well wishes - true enough, I should be grateful I was extended credit, given these times and the fact I have no relationship with PenFed.

 

On top of which the account rep I dealt with bent over backwards to get me my membership, so yeah, enough whining on my part!

Message 15 of 21
Dogbert
Valued Contributor

Re: Penfed Gold Card approved - bit disappointed

WOO! Ride that PENFED train! Congrats on the approval!

 

  
  
---- NAILED IT!

Message 16 of 21
Wavester64
Valued Contributor

Re: Penfed Gold Card approved - bit disappointed


@AllZero wrote:

@sb48 wrote:

TY. Good news is I got to know what the latest EQ score is as I just saw an email from PenFed and they had the score at 780.

 

Which hopefully meant the 60 day derog back on Nov 13 is deleted!

 

Now off to see if 800s are possible!


You're welcome. Congratulations on your score success. PenFed provided the EQ9 score.

 

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.


Question about creditchecktotal : I already have the FREE Experian account, which I sometimes order the non-free one on occasion and then cancel before payment is required. CCT says they are part of Experian - can you have a CCT account AND a FREE EX account - or when I try to set up a CCT account will it say you are already a member?







Potential Future Cards
Message 17 of 21
AllZero
Super Contributor

Re: Penfed Gold Card approved - bit disappointed


@Wavester64 wrote:

@AllZero wrote:

@sb48 wrote:

TY. Good news is I got to know what the latest EQ score is as I just saw an email from PenFed and they had the score at 780.

 

Which hopefully meant the 60 day derog back on Nov 13 is deleted!

 

Now off to see if 800s are possible!


You're welcome. Congratulations on your score success. PenFed provided the EQ9 score.

 

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.


Question about creditchecktotal : I already have the FREE Experian account, which I sometimes order the non-free one on occasion and then cancel before payment is required. CCT says they are part of Experian - can you have a CCT account AND a FREE EX account - or when I try to set up a CCT account will it say you are already a member?


@Wavester64 .I do not think you can have both. I think system will recognize you all ready have an account?

Message 18 of 21
user1054596
Regular Contributor

Re: Penfed Gold Card approved - bit disappointed

disappointed with a $10,000 SL.

 

ok. LOL

Message 19 of 21
WavysMommy
Contributor

Re: Penfed Gold Card approved - bit disappointed


@user1054596 wrote:

disappointed with a $10,000 SL.

 

ok. LOL


They were disappointed with the APR/rate, not the SL. 🤷🏽‍♀️

Message 20 of 21
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