Weird,weird,weird..... I opened an account with PenFed last month & kinda forgot about it until today. Sittin' around with not much to do, I decided to access my account online. To make a long story short, I had to call them to assist me with access. After the help, the rep asked me if I would like to apply for a 5.9 % Visa Gold with a max credit limit of $40,000 ? Now, of course, I want this card, but I figured I didn't have a chance. I just got turned down the other day for a furniture store card. What do I care ? They sell junk anyway 
So, I said.....what the hell. Not much to lose. She asked what kinda credit limit I wanted & I decided to shoot for $10k. Not sure where I got that number, but that's what I said. She asked me a gazillion questions & then said.....I have to send this to a supervisor, call back in 4 hours. My obvious thought was that this is the kiss of death. I called back later & she said they hadn't had a chance to review it but if I would hold on, she would have her boss take a quick look. After several minutes, she came back on & said, YOU'RE APPROVED ! I almost crapped my pants....I'm not kidding. She said all I need to do is fax them a paystub tomorrow & they will rush my card out. Did I get $10k ? Dunno & didn't ask. I'll know when I get it I guess. Point is, don't give up hope even when they keep saying no. Someone will eventually say yes. I'm real curious to see what happens with my app at CCCU. Thanks to everyone here & this wonderful board, I am getting my credit back on track. You guys rock !
So, I said.....what the hell. Not much to lose. She asked what kinda credit limit I wanted & I decided to shoot for $10k. Not sure where I got that number, but that's what I said. She asked me a gazillion questions & then said.....I have to send this to a supervisor, call back in 4 hours. My obvious thought was that this is the kiss of death. I called back later & she said they hadn't had a chance to review it but if I would hold on, she would have her boss take a quick look. After several minutes, she came back on & said, YOU'RE APPROVED ! I almost crapped my pants....I'm not kidding. She said all I need to do is fax them a paystub tomorrow & they will rush my card out. Did I get $10k ? Dunno & didn't ask. I'll know when I get it I guess. Point is, don't give up hope even when they keep saying no. Someone will eventually say yes. I'm real curious to see what happens with my app at CCCU. Thanks to everyone here & this wonderful board, I am getting my credit back on track. You guys rock !
I faxed the paystub that they wanted today. I called a few hours later to make sure they got it. I said, by the way, can you tell me my credit line....she said sure, $10k !!!! After crapping my pants so many times the last couple days, at least I have $10k to buy some new pants !!!!! 
I owe it all to the people of this board. If it hadn't been for you folks, I wouldn't know about Penfed or CCCU. Now, I can't wait to see what CCCU has to say. Thanks a bunch everyone !
I owe it all to the people of this board. If it hadn't been for you folks, I wouldn't know about Penfed or CCCU. Now, I can't wait to see what CCCU has to say. Thanks a bunch everyone !