I tiptoed out of the garden to visit PenFed and I think I saw some of you...:-)

Thanks to a great thread (thanks baller4life and others) on PenFed I joined and applied for the PenFed Promise card and was approved for 10k. Waving as I walk quietly back to the garden to reset my start date...  In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; PenFed Promise 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BA Travel Rewards 3.5k; BA Travel Rewards 3.5k; BA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 76,200. 7/2-FICO: EQ - 788; TU - 779; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 7/7. Gardening until further notice. 

baller4life wrote:
SteelCity66 wrote:
baller4life wrote:
So you have 6 new accounts this year? We had you planned to join?That's just 6 INQs with EQ. I have a total of  14 new cards since January. I closed everything but my CapOne Visa before I found this site. I never knew my FICO nor did I pull a free annual credit report until this past November. What's the advantage of the PenFed? Was there a thread going on that I didn't see?14 cards since January would probably get you labeled an Egyptian. They decline often for "pyramiding debt" ie too many new accounts.That's why I'm in no hurry. I have PSECU which is a good CU in my area. I'll see if PenFed is worth it in a year when the cards have all aged and the INQs are a year old.

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