So after our home closed a few days ago, I decided to come out of the garden and app for some new credit.
I applied for the Power Cash Rewards and was approved for a $2000 limit. I tried to recon for a higher limit but they wouldn’t budge.
Then while I had the CSR on the phone I confirmed that if I were to apply for anything else that they would use the same HP. The CSR confirmed they would use the same HP.
So I applied for an auto refinance to lower down my godly 14.7 apr auto loan I received after my BK7. I approved for $21k+ and my apr is now 4.6% for 36 months.
I can’t beleive that I am 2/2 with PenFed and I joined “DIRTY!”
Data points:
- bk7 discharged 6/16
-joined PenFed 7/16
-Next gen score 688
-6 inquiries(all mortgage lender) in the last 2 years.
-no lates or derogs in the last 2 years
-income 150k+
I also App’d the the Cap 1 Venture (Visa). I was prequaled, on their site. But I got a message about someone from Cap 1 having to contact me to review.
**it seem I’m unable to post the pics of the congratulations email from PenFed. Possibly because I am still new?**
