Has anyone got approved for penfed in the last 60-90 days? I got my penfed account a year ago and they asked for US ID. Thankfully I had a US Visa and they accepted the application with that. Now I have another friend that applied and they are asking again for US ID again and asking weird questions like "how many days did you live in the US last year". etc

The 4 credit cards that actually make sense for most people You don't need 12 cards in your wallet. You need 4 - one for each job. Here's the kit 1. The Everyday Card → Chase Freedom Unlimited / QuickSilver No annual fee. 1.5% back on everything, plus 3% on dining and drugstores, 5% on travel booked through Chase. The card you tap without thinking - gas, Amazon, the random brunch. 2. The Travel Card → Chase Sapphire Preferred Skip the $895 Amex Platinum. The Sapphire Preferred costs $95/year and quietly carries the same trip protections: - Luggage gets lost → you're covered - Flight delayed 12+ hours → check in the mail - Rent a car → primary insurance built in (confidently decline the rental company's $25/day add-on) One-tenth the fee. Same coverage where it actually matters. 3. The Food Card → Capital One Savor or Amex Gold You eat every single day. The numbers compound fast. Two paths depending on how much you spend: Capital One Savor: - $0 annual fee. - 3% cash back on dining, groceries, entertainment, and streaming. Amex Gold: - $325/year. - 4X points at restaurants worldwide and U.S. supermarkets (capped at $50K and $25K/year). Rule of thumb: under ~$1K/month on food → Savor. Above that → Gold starts pulling ahead. 4. The Last Resort Card → A Credit Union Card High limit. Low APR. From a CU like Navy Federal - not a big bank. This one lives in your drawer. But if life ever forces you to float a balance - busted car, emergency, surprise tax bill - credit union APRs (typically 11–14%) won't bleed you out the way big bank cards (27%+) will. The goal is to never use it. But if you have to, this is the one you reach for. That's the full kit. Anything beyond this is optimization on top. What's in your wallet right now? Drop yours in the comments

Hey guys, I applied for Capital One a couple of months back, and my account got flagged. I’m not sure of the exact reason, but I was restricted from completing the account opening process. They had already sent me a card, but I wasn’t able to use it. They were asking for a U.S. government ID and proof of address. I wasn’t able to unlock the account, so I decided to go to the U.S. and stop by a Capital One branch. Honestly, I thought there was no way they’d be able to help since I don’t have a driver’s license or U.S. ID, but luckily, a rep was able to lift the restriction in person. So thats one option to go about it. For those with a similar situation.

I'm on the premium membership and I see that Corporate Rates Module is still pending and I have some travel planned soon but my credit score is not great yet for those Amex Cards.

Following up on my last post! After the approval last week, the physical card arrived. Timeline: 2026.01.26: Applied for the Citi Secured card. 2026.02.04: Approved! Credit limit is $2500 secured. 2026.02.10: Card arrived today!