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I only have one card reporting a balance the Barclays is 4300 of 6300 limit, I have a promotional 0 percent,it hat I am just abt to transfer to the navy card for another 0 % for 12 mos.The new accounts were a new truck, RV and a Barclay card.
@chnceit wrote:
@newportguy wrote:
@cmerriott wrote:I joined pen fed over the weekend and went ahead and applied for the gas card....it's really the only card out there left that I want and I don't have. Anyways it went to LO review and is pending, and I am now having regrets, thinking maybe I wasn't ready yet. Lol...
My oldest acct was opened 14 yrs ago, AAoA is 3.3 yrs, 2 inquires in last year, no baddies, I have 3 new accounts opened up in the last year. My fico was a 759 when I applied. Looking for any input.
Sorry to hear the bad news!!! I think the 3 new account within the last year spooked themDepending on when he opened like 3 new accounts in less than 6 months, but I dont see it being a problem where its 3 new accounts in a year span.
I would call and just find out why and try to recon.
This does not apply with PenFed, they spook very easy. It's either that or Debt/Income ratio .
I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
Definitely recon! When you call in they will most likely tell you that you have to fax a letter in saying why you think they should have approved you. Pull your credit report and give solid details supporting your argument against the denial reasons. I just did it and got them to approve me with a much less favorable credit profile. They gave me an absolute joke of a limit, but it will go up in time.
@LesWH wrote:I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
O really!!! Lucky you
@newportguy wrote:
@chnceit wrote:
@newportguy wrote:
@cmerriott wrote:I joined pen fed over the weekend and went ahead and applied for the gas card....it's really the only card out there left that I want and I don't have. Anyways it went to LO review and is pending, and I am now having regrets, thinking maybe I wasn't ready yet. Lol...
My oldest acct was opened 14 yrs ago, AAoA is 3.3 yrs, 2 inquires in last year, no baddies, I have 3 new accounts opened up in the last year. My fico was a 759 when I applied. Looking for any input.
Sorry to hear the bad news!!! I think the 3 new account within the last year spooked themDepending on when he opened like 3 new accounts in less than 6 months, but I dont see it being a problem where its 3 new accounts in a year span.
I would call and just find out why and try to recon.
This does not apply with PenFed, they spook very easy. It's either that or Debt/Income ratio .
I got approved for a PenFed CC and LOC this month with 5 new accounts in a 6 month period so this statement maybe its a YMMV moment
@newportguy wrote:
@LesWH wrote:I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
O really!!! Lucky you
I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!
@LesWH wrote:
@newportguy wrote:
@LesWH wrote:I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
O really!!! Lucky you
I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!
Congrats! I'd love to have 1.49%. Did you apply for the car or for the loan first?
@LesWH wrote:
@newportguy wrote:
@LesWH wrote:I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
O really!!! Lucky you
I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!
I am in LOVE with the new 2013 Range Rovers. What year did you get??
Off topic, I know.
@ramblin_wreck08 wrote:
@LesWH wrote:
@newportguy wrote:
@LesWH wrote:I must have really gotten lucky! I was approved for PenFed Platinum Cash Rewards with a 20,000 limit after opening 14 new accounts not just in the last year, but within 3-4 months! My utilization is low, and my score was less than yours!
O really!!! Lucky you
I'm realizing just how lucky now!! They also refinanced my Range Rover for 1.49%!!
Congrats! I'd love to have 1.49%. Did you apply for the car or for the loan first?
I got the credit card first, then immediately after got the Thrifty line of credit and then the refinance.