Penfed question

[Anonymous]

Joined Penfed today; they need some verification documents sent in. I was wondering about apping for one of their cc...my my scores are eq719, tu 691, ex 721, 7 inq on eq,4 tu and 10 ex...using 5% avail credit, 11 months of average credit.....salary of $57000/yr....any chance?thanks

[Anonymous]

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@Anonymous wrote:

Joined Penfed today; they need some verification documents sent in. I was wondering about apping for one of their cc...my my scores are eq719, tu 691, ex 721, 7 inq on eq,4 tu and 10 ex...using 5% avail credit, 11 months of average credit.....salary of $57000/yr....any chance?thanks

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From the info that you provided, I'd say your chances are pretty good.  The AAoA is fairly low but I don't think it would prevent you from getting approved.  If you apply for a CC within 90 days of your membership they'll use the same HP as they did for you to join.  Good luck.

[B335is]

Wait until your membership is finalized before applying for a card.  99% of the time they reuse the same pull for membership for another application up to 90 days.

[Anonymous]

Thanks....i actually had no credit til then, lol..but my lowes has gone up from $300 to $17,000 in 4 months,  but i'd love to get in good with a cu

[Appleman]

As soon as you are given membership apply for the products that you can use. 

I was able to get PLOC, Checking over draft, 2 CCs and an auto refinance from the first Equifax pull.

[Anonymous]

thanks for the info B335

[Anonymous]

Wow Appleman, that's alot of mileage from 1 hp

[Appleman]

And I tried the SP with NASA FCU and only have a savings account to show for it (NASA did not like my inquiries (approaching double digits when I applied))

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Joined Penfed today; they need some verification documents sent in. I was wondering about apping for one of their cc...my my scores are eq719, tu 691, ex 721, 7 inq on eq,4 tu and 10 ex...using 5% avail credit, 11 months of average credit.....salary of $57000/yr....any chance?thanks

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From the info that you provided, I'd say your chances are pretty good.  The AAoA is fairly low but I don't think it would prevent you from getting approved.  If you apply for a CC within 90 days of your membership they'll use the same HP as they did for you to join.  Good luck.

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What Irish said.  and Good Luck!

[Loquat]

Best of luck to you and be sure to come back and post your results!