Decided to join PenFed.

[dodgerslv]

so i already got the welcoming email, does that mean they already did a HP for membership?

[09Lexie]

I already know where this is heading....so much for being in the garden. Lol

[TNTransplant]

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@dodgerslv wrote:

so i already got the welcoming email, does that mean they already did a HP for membership?

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Yes.

[dodgerslv]

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@09Lexie wrote:
I already know where this is heading....so much for being in the garden. Lol

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LOL...yeah...but dont think im going to apply for any of their products just yet...how long can they use the same HP for credit/loan products? Dont want any more new accounts on my file.

[09Lexie]

Ninety days.

[dodgerslv]

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@09Lexie wrote:
Ninety days.

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thanks will not try till until after 2 full months.

[RyVision]

As 09Lexie said:

Yup, they pulled for membership.

Yup it's good for 90 days if you want to apply. 

And if no one's said it;  Yup, they're a lot more conservative than NFCU     They USUALLY don't like a lot of INQs or new accounts.  So in about 72 days, I expect to see you were approved for a 15k cash rewards (if it's still avaiable) 5% back on gas card........   (our interest is 10.9% btw) 

[dodgeball]

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@dodgerslv wrote:

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@09Lexie wrote:
Ninety days.

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thanks will not try till until after 2 full months.

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Whats the diffrence if you apply now or in two months they are still going to go off the same pull? Does not make sense really

[dodgerslv]

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@RyVision wrote:

As 09Lexie said:

Yup, they pulled for membership.

Yup it's good for 90 days if you want to apply. 

And if no one's said it;  Yup, they're a lot more conservative than NFCU     They USUALLY don't like a lot of INQs or new accounts.  So in about 72 days, I expect to see you were approved for a 15k cash rewards (if it's still avaiable) 5% back on gas card........   (our interest is 10.9% btw) 

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Haha...i hope so but really in no rush to get anymore credit cards...I just want to have a good CU that i can have in case i do want a high limit CC. I may just wait six months to let all of my accounts and inquiries age and just let them do a HP once again or maybe even wait the whole year. I decided to do memebership now cuz i know they would pull EQ (only 2 HP recently so wanted all close to each other).

[dodgerslv]

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@dodgeball wrote:

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@dodgerslv wrote:

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@09Lexie wrote:
Ninety days.

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thanks will not try till until after 2 full months.

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Whats the diffrence if you apply now or in two months they are still going to go off the same pull? Does not make sense really

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Im actually going to wait at least 6 months or wait till my chargeoffs fall off next year so i can have a clean report....LOL. Dont want anymore new accounts.