What Fico score for PenFed Pathfinder?

Lyle5653 · ‎08-10-2023

I've been with PenFed for just over 6 months. Got the PenFed PCR in Jan/23 at $3500 credit limit. Want to work towards getting the Pathfinder . I know they check equifax, and mine is currently at 690.

To anybody that has the card. What was your score when you got approved for it.

My Ch7 was discharged in June 1, 2020

mgood · ‎08-11-2023

PenFed uses Equifax FICO 9.
Not bankcard 9, just regular classic 9.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$17,400 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Rewards+ World Mastercard 11/24

$27,000 American Express Blue Cash Preferred 04/24

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 760, TU8 757, EX8 769 as of April 27

AZE12 - 6% Utl - New Cards: 2/6, 2/12, 6/24

madmann26 · ‎08-11-2023

@mgood wrote:
PenFed uses Equifax FICO 9.
Not bankcard 9, just regular classic 9.

They pulled Experian FICO 9 on me in a recent app.

Current Scores - 12/27/2024

FICO 8

EQ - 689

TU - 731

EXP - 717

CreditMagic7 · ‎08-11-2023

Mid-South here. All pulls by PenFed have been Equifax for CCs out this way. Hope that helps.

coreyb80 · ‎08-11-2023

As long as you haven't acrued any crazy debt you should be good to get another!

okurosetta · ‎08-11-2023

Have you checked their pre-qualification tool? I recently checked for a second Pathfinder, showed pre-qualified for $15k, applied, approved for $15k.

Cashback | Affinity FCU Cash Rewards - $7,500 | 5% Cashback Amazon & Bookstores

Cashback | Chase Amazon Prime - $8,500 | 5% Cashback Amazon

Cashback | Citi Shop Your Way - $1,002 | 5% Cashback Gas, targeted spend offers

Cashback | Discover It - $10,000 | 5% Cashback Quarterly Rotating

Cashback | Elan MCP via Harborstone - $2,000 | 5% Internet & Utilities

Cashback | Elan MCP via SouthState - $4,000 | 5% Cashback Department Stores & Electronic Stores

Cashback | Navy Federal Platinum - $40,000 | 12.24% APR - Lowest APR card, in case of emergency

Cashback | PayPal - Debit | 5% on one chosen category on up to $1k/month, used for Grocery category for Walmart+ orders

Cashback | PenFed Pathfinder - $10,000 | $100 ancillary domestic airline credit

Cashback | PenFed Pathfinder - $15,000 | $100 ancillary domestic airline credit

Cashback | Target Circle Card via TD Bank - $2,000 | 5% Discount Target

Cashback | USAA Cashback Rewards Plus - $12,000 | 5% Gas

Cashback | USAA Preferred Cash Rewards - $5,000 | Oldest account by far

Cashback | Wells Fargo Autograph - $4,500 | 3X GFR Transit & Travel, 1:2 Choice transfer

Alaska Mileage Plan | Bank of America Alaska Mileage Plan - $20,000 | Annual Companion Pass (grandfathered no spend required), Checked bag(s) included

Amtrak Guest Rewards | FNBO Amtrak Guest Rewards Preferred - $15,400 | 3X AGR Amtrak, 2X AGR Travel & Transit, Annual Companion Pass

Amex MR | American Express Blue Business Plus - $20,000 | 2X MR non-category

Amex MR | American Express Charles Schwab Platinum - NPSL | 5X MR Flights, coupon book, brokerage cashout option

Bilt Rewards | WF Bilt Rewards - $15,000 | 3X Dining (post $500 on Custom Cash), Rent Day bonuses

C1 VM | Capital One VentureOne - $10,000 | Kept open to transfer P2's VM to my VM account before transferring to partners

Choice Privileges | Wells Fargo Choice Privileges Select - $14,000 | 10X Choice, 5X Home Improvement Stores, 30k anniversary bonus

Citi TYP | Citi Custom Cash - $7,000 | 5X TYP Top Category (Gas)

Citi TYP | Citi Custom Cash - $6,900 | 5X TYP Top Category (Dining)

Citi TYP | Citi Rewards+ - $6,200 | Used for small purchases and 10% TYP refund

Citi TYP | Citi Strata Premier - $13,700 | 3X TYP Gas & Hotels | Flights used in rare times Amex isn't accepted, e.g. Sun Country

Delta SkyMiles | American Express Delta Gold Business - $14,900 | Checked bag, priority boarding, Takeoff 15

Hilton Points | American Express Hilton Aspire - $10,000 | 14X HP Hilton, Diamond status, annual night certificate

Hilton Points | Amex Hilton Surpass - $20,000 | Used for $15k spend annually to unlock second certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $10,000 | Anniversary Night Certificate

OneKey | WF OneKey+ - $16,000 | 7% OneKey cash Expedia and Hotels.com, 5% OneKey cash Vrbo, OneKey Gold status

RIP

Amex MR | Synchrony Rakuten Visa - RIP 3X MR via Rakuten

Curve | Curve Credit Card - RIP being able to assign/move charges to/from Custom Cash's, Premier, and Savor (P2), as well as other Mastercards, plus dodge FTFs

Best Western Rewards | FNBO Best Western Rewards Premium - $15,400 | RIP 40k bonus points for $5k spend every 12 cycles

P2

APR Bonus | Citi Retail Home Depot - $8,000 | 6 month financing on $299+ everyday, 12/18/24 month financing often

AAdvantage | Citi AAdvantage Platinum Select - $20,000 | Checked Bags & Priority Boarding

Cashback | Amex BCP - $1,000 | 6% Streaming, Disney+ Bundle Credit

Cashback | Synchrony Amazon Store Card - $6,400 | 5% Amazon

C1 VM | Capital One Savor - $10,000 (AU; grandfathered no AF version) | 4X VM Cashback Dining, Entertainment, & Streaming, 3X VM Grocery

C1 VM | Capital One Venture X - $20,000 (AU) | 2X Miles no FTF (higher through portal), $300 travel credit, 10k anniversary bonus, primary rental car coverage

Chase UR | Chase Sapphire Preferred - $11,800 | 3X UR Dining, Online Grocery, & Streaming

IHG | Chase IHG Premier - $13,700 | 10X IHG, Anniversary Night Certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $11,800 | 6X MB Marriott, Anniversary Night Certificate

Sonesta Travel Pass | BoA Sonesta - $19,000 | 30k bonus points per $7.5k annual spend

Future

P2 Future

Chopping Block

Amex MR | American Express Business Green - NPSL | Opened as Business Gold for SUB, hoping for worthwhile upgrade offer to Business Platinum or Gold, will close if none offered in a year

Cashback | Bank of America Cash Rewards - $5,000 (AU) | 3% CB Home Improvement/Furnishings | P2 letting it close to inactivity, prefer using hotel cards or even 2X MR / VM over 3%

Lowest known score was 544 or 546, don't remember anything else

Lyle5653 · ‎08-11-2023

I applied last night for the Pathfinder. At the time my EQ MyFico8 Bankcard was 700, and Fico score through Penfed was 725. I am an honors member(non military) if that means anything. It says I was approved for $12,500, but it's still under active loan application what ever that means. That's the latest so far.

Lyle5653 · ‎08-12-2023

just checked this morning

1) my MyFico 9 EQ score is 700

2) PenFed application is closed, and it said approved and funded.