Not sure if this is the right place, sorry in advance to the mods if someone has to move this.
I'm starting to wind things down to have a full 2 years of gardening before AMEX becomes available at 5 years 1 month (minus any potential unicorn cards, of course). Just have my 3rd NFCU card left to go.
I currently use NFCU as my primary institution (checking, certificates, credit cards). I also have memberships with Alliant (HYSA), and DCU (just opened, for HYSA for $1000).
I will need a car loan in about a year, and would like to eventually refi my private student loans (not going to be easy with the bk).
I'm thinking PenFed would be good to have available as an option and it is my understanding membership is a HP. I just want to know if they will deny membership based on the bk (filed 7/2018, discharged 10/2018). I'm only planning to put some money in a savings account for now to start a relationship, no credit applications.
Are there any other CUs that would be good to put in the arsenal for auto loans and student loans?
Thanks!
I would call them and verify the HP.
I have been getting some SPs lately from them.
Of course, you can ask about the BK being an auto decline at the same time.
I had a rough start with them, but now it has been smooth sailing.
GL!
@Shooting-For-800 pulled the trigger and just applied online. Not really interested in try to call places with all that's going on. People out there have more pressing issues than possibly wasting a hard pull, but it appears to have been a soft pull/no problems with the bk 
Thanks for your help/answering
nothing like typoing 'but it' and getting censored for it hahahaha
Awesome. Welcome to the PenFed family.
