Penfed Question

[prabs99]

Thanks. Will do it in the morning.

[ilovelisa]

Awesome, be sure to post an update!

[09Lexie]

Congrats on your approval!

[prabs99]

Thanks ilovelisa, Lexie and chnceit.

[ilovelisa]

If they still say no, are you fine with having 2 penfed cards? 

[prabs99]

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@ilovelisa wrote:

Awesome, be sure to post an update!

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Quick question, does PenFed do a hard pull when you apply? I havent seen any inquiries hit my credit report.

[ilovelisa]

They do when you apply for membership, but any credit applications use that same HP for 90 days. 

[prabs99]

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@ilovelisa wrote:

If they still say no, are you fine with having 2 penfed cards? 

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Yeah, I think that should be ok, I am not sure it causes any impacts to my CR.

[prabs99]

I applied for membership and the Amex on the same day (the 3rd of July), but still havent seen a hard pull.

[Anonymous]

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@prabs99 wrote:

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@ilovelisa wrote:

If they still say no, are you fine with having 2 penfed cards? 

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Yeah, I think that should be ok, I am not sure it causes any impacts to my CR.

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Yes, PenFed really doesn't have a smooth PC process, with multiple reports of two TLs staying around.   This happened to me getting a chipped card, I ended up with two cards, one with a chip and one without, opening dates a month apart.  In this case, the 20K CL on each makes up for the extra TL IMO, so I haven't pushed!