@The-Credit-Disciple wrote:Will it be the same HP they used for the membership app? Because I have not gotten a notification yet from that pull
Expect hard pull for membership. Expect another hard pull for CC application. Be thankful if they only do one.
Should I apply?
Data points
EQ 723
8 accounts opened in the last 18 months
15% UTI across all accounts
No lates
What's your 6 and 12?
Clean score card, no derogatory?
@The-Credit-Disciple wrote:Should I apply?
Data points
EQ 723
8 accounts opened in the last 18 months
15% UTI across all accounts
No lates
I think you have a legitimate shot 
I have no derogatory on Equifax.
Only a few on Experian
5 medical baddies on Experian
My last account opened was last month. 5 in the last 12 months
@The-Credit-Disciple wrote:My last account opened was last month. 5 in the last 12 months
Income, EQ score and clean report, you stand a good chance. Not sure on inquiries or new accounts. I don't know your DTI. PenFed may SP poke around the other bureaus. I've seen them on my Experian report. I'm not sure on TU.
If you are going to apply, try it over the phone. I've read data points, where other members have applied and been successful at 2 approvals; applied for one card and approved, repeat process if successful.