I really should change my username to The Outlier, cause here comes yet another. Ok, storytime. I'm not going to get too in depth with datapoints because I plan to do a thread in rebuilding once rebuild is done in January.
I recently changed careers and took an about 34% paycut. I've since climbed back to within $3/hr of where I was and am in the process of debt pay down. During that time, I had to heavily rely on my cards and went from no debt to about 79% aggregate. Currently, the majority of my cards are in the 80-95% utilization range. Other datapoints below.
No collections
No charge offs
0-1 inquiries per report, 0-1 are scorable
Up to 3, 6 year old 30-60 day lates per report which will all roll off by January
EX 654
TU 673
EQ 648
Penfed member for 3 years
No penfed products
No direct deposit
Checking balance $16.13
Savings balance $5.00
Saw a thread today about penfed prequal so tried it out to torture myself a little more about my current financial state. It asked me to log in. Then crashed at the end. Was unable to get it back up so logged out and logged back in to see
I actually thought it was just a pre-approval and was pretty pleased. No intent to actually apply because I was planning on a us bank app once reports fully clear and debt paid down. Then I re-read it. Hopped on chat to confirm since I didn't receive an email or HP. I was instantly approved, no hp, no poi. The 15 mos 0% bt is going to help me out significantly.
Thank you for coming to my TED Talk.
Congratulations on your 
GOLD CARD approval!
Nice pickup, congrats on the SP approval!
That's amazing! Congrats!
@Brian_Earl_Spilner wrote:I really should change my username to The Outlier, cause here comes yet another. Ok, storytime. I'm not going to get too in depth with datapoints because I plan to do a thread in rebuilding once rebuild is done in January.
I recently changed careers and took an about 34% paycut. I've since climbed back to within $3/hr of where I was and am in the process of debt pay down. During that time, I had to heavily rely on my cards and went from no debt to about 79% aggregate. Currently, the majority of my cards are in the 80-95% utilization range. Other datapoints below.
No collections
No charge offs
0-1 inquiries per report, 0-1 are scorable
Up to 3, 6 year old 30-60 day lates per report which will all roll off by January
EX 654
TU 673
EQ 648
Penfed member for 3 years
No penfed products
No direct deposit
Checking balance $16.13
Savings balance $5.00
Saw a thread today about penfed prequal so tried it out to torture myself a little more about my current financial state. It asked me to log in. Then crashed at the end. Was unable to get it back up so logged out and logged back in to see
I actually thought it was just a pre-approval and was pretty pleased. No intent to actually apply because I was planning on a us bank app once reports fully clear and debt paid down. Then I re-read it. Hopped on chat to confirm since I didn't receive an email or HP. I was instantly approved, no hp, no poi. The 15 mos 0% bt is going to help me out significantly.
Thank you for coming to my TED Talk.C
CONGRATS!!!!!!
The great thing about penfed cc's I found out lately is they offer regular bt's after the first one similar to discover.
I am presently using my 2nd offer on the PCR and they are already offering me a 3rd. I almost have my initial bt on the gold almost paid off and they just sent me checks for the 2nd bt offer but i called them 2 times saying i dont have a use for a bt right now but in 6 - 8 months i may need one, both times they told me no problem call back in 6 - 8 months and they will have a bt offer for me.
Also i beleive their max regular int rate is 17.99, ymmv
Congrats on the approval
