PEN FED SEEMS TO BE THE WAY TO GO, INSTANT APPROVAL ON PROMISE CARD

[drkaje]

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@dalebb wrote:

i tried with my wife that has a BK 5 yrs ago, and the computer spit in my eye

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PenFed likes a clean record. Not certain how they feel about utilization but would guess lower is better.

[lessismore2014]

pyramiding is when you use one card to pay another, found that out when I tried appy'g the 1st time. Wasn't doing that. I have no baddies on my report.

[arsenal04]

Oh, that makes sense now that you have explained it.  Thanks.

[haulingthescoreup]

Also, PenFed will call it pyramiding just if you've opened multiple cards recently. They seem to suspect that you're up to something.