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Established Member
learnandlearn
Posts: 41
Registered: ‎07-17-2009
0

Love PenFed!!!

Finally took the plunge and became a member of PenFed today. Yes they pulled a hard inquiry which is available for other products applications  for 30 days.

I asked the super friendly CSR about their credit cards products and asked her to app for the "Promise Visa". To my surprise I was approved with CL of $7,500; I am so glad and thankful...this is my highest CL card.

I am closing my bank accounts with Chase and transferring my money to PenFed...

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Love PenFed!!!

CONGRATS!!!

Very nice starting CL!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
learnandlearn
Posts: 41
Registered: ‎07-17-2009
0

Re: Love PenFed!!!

Thanks. I din't expect it.

I have a Cap1 card which I pay in full and stuck on a $3,500 CL for the last 12 months and worse a 24.99% APR.

So I am very glad that I got myself a decent product with PenFed

Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
0

Re: Love PenFed!!!

Pen Fed is a great company. Treat them well and they take care of their constituents. I recieed a 1.99% new car loan last fall from them. Their CC is really nice too. They have recently lowered my cc apr after several months of positive car payment history.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Love PenFed!!!


learnandlearn wrote:

Thanks. I din't expect it.

I have a Cap1 card which I pay in full and stuck on a $3,500 CL for the last 12 months and worse a 24.99% APR.

So I am very glad that I got myself a decent product with PenFed


How long have you had this card??

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Love PenFed!!!

Congrats!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
learnandlearn
Posts: 41
Registered: ‎07-17-2009
0

Re: Love PenFed!!!


LS2982 wrote:

learnandlearn wrote:

Thanks. I din't expect it.

I have a Cap1 card which I pay in full and stuck on a $3,500 CL for the last 12 months and worse a 24.99% APR.

So I am very glad that I got myself a decent product with PenFed


How long have you had this card??

 


I have had it for 2 years.

Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Love PenFed!!!

Congrats! PenFed is just great to do business with!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: Love PenFed!!!

Please close capital one because the lenders do not like to see capital one in your credit report for the fact that is for ppl with bad credit


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

Re: Love PenFed!!!

This is false......maybe fo creditors like fingerhut,credit one, and first premier. Capital One actually has some prime products. What do you have against Capital One? You seem to be on mission to tell evey Capital One customer to close their accounts.

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)

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