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Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

chalupaman
Super Contributor

Re: App Spree Complete


@MyDataMyChoice wrote:
  • PENFED Pathfinder Visa Signature SL $5,000 (50,000 Point SUB) No Annual Fee due to Honors Member.   Pulled Equifax.  EQ 09 747 score
    • Asked for CLI on existing PENFED Power Cash Rewards Visa (Aug '21) ($3,500) (CLI Still Pending) Using same Credit Pull
    • May ask for Overdraft LOC? 
  • Capital One Quicksilver Visa Signature $200 SUB (No Annual Fee) $5000 SL
    • Went to ID Verification.  Approved Triple Pull.
  • Bank of America Cash Rewards (Preferred Rewards Member); Pulled Experian.  DENIED.  Called Recon only reason was BK7 too close.  Counterd w/ 99/500 partially secured.  I did take it.   However an hour later that was denied for same reason.  Called back and recon sent to supervisor for override - pending.
  • LOWES Prequalifed link.    Pulled Transunion.  Went to ID Verification.   APPROVED $800.  Called Credit Solutions for CLI - 17K!!!!
  • Apple Card 3rd Statement Cut - Asked for CLI SL 4000 -   Went pending - got notice APPROVED CLI only to 4,500.  

Overall a wild success!

 

I am done for at least a year.  Letting this all age.  


Wow, so you were able to potentially get a BoA secured card. That's amazing. Please let us know what happens with that recon as I see you also filed for BK in 2019. I'm in the same boat, but never burned BoA. I had an Alaska Airlines card with them many years ago with a $3k limit. Congrats! 

 

Also, I could not get back in with Synchrony many times, but it seems that waiting exactly two years is what does the trick. I will be applying for Amazon, Lowes and Paypal when August/September come around hopefully and see what happens. 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Firestone CFNA - $2.4k, Best Buy - $2k, CareCredit - $1.5k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Amazon Store Card - $600, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Appliances Connection - $3.8k, Jared - $3.5k, Wayfair Fortiva - $2k, Williams Sonoma - $600, NY & Company - $500, Macy’s - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 668, EQ - 681, TU - 673
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $41k
Total Utilization: 4%

It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 21 of 35
kittycreditmeow
Frequent Contributor

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

Congratulations on the approval! 🙂

Credit Cards, Loans & Store Cards





Bank and Credit Union Memberships


Available Credit - $10,600
Util: 16%. Inquiries: TU: 43 EX: 31 EQ: 22
Gardening Until: March 28, 2023
AaOA: 1 Year & 6 Months

Fico 8 Scores Current as of March 2021

Fico 8 Scores Post BK

Bankruptcy Discharged: November 1, 2019
Message 22 of 35
MyDataMyChoice
Valued Contributor

Re: App Spree Complete

@chalupaman 

 

I did not burn BofA (Never had any credit products with them)

I will update you tomorrow

 

 

Also, I would try the pre-qual for Lowe's.... see how that goes...  then 4-6 months later go for the Amazon...

Remember to unfreeze sagestream and transunion



+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 23 of 35
MyDataMyChoice
Valued Contributor

Re: App Spree Complete

CashRewards_ModernizedContactlessVS_August2020.jpg   lowes-small.png



+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 24 of 35
J-Marr
Valued Member

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

Congrats on your penfed card !

Message 25 of 35
MyDataMyChoice
Valued Contributor

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved

@ComeBackLadyTires on my Capital One for $200 sub - prob take 3-6 months to pay off the balance since its 0% for 15 mo.

 

The Penfed since its 90 days... just normal spend.   Gas/Groceries/Dining+Ent/etc...

 

 



+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 26 of 35
tbque
Valued Contributor

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

Congrats on the approval!






Message 27 of 35
TIPPY-BOB
Regular Contributor

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

🤩Congratulations on your approval!👍

Message 28 of 35
NotRalphKramden
Valued Member

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

Congratulations!


Auto Loan


Re-Beginning Scores 10/19

Current Scores 4/21








Deposit Accounts

Retired

Message 29 of 35
babygirl1256
Frequent Contributor

Re: Penfed Pathfinder Visa Signature Flag Edition Card Approved -- App Spree Complete

Congrats on your new PenFed Pathfinder Visa Signature Flag Edition Card.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 04/2021: EQ-781, TU-781, EX-734
Goal FICO 8 Score in 06/2022: EQ-800, TU-800, EX-800
Message 30 of 35
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