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@Anonymous wrote:I had one car loan May 2009
One Chase Amazon Card opened Aug 2009
one Amazon Store card opened Aug 2009
One Discover more opened sept 2009 (TL reported on CR mid-sept)
got added as a CITI AU on brother's new card
2 inquiries from CITI bank, 2 inquiries from Discover, 4-5 inquiries for my car loan (I understand counts as one), one inquiry from GEMB, and a few inquiries from Aug/ Sept 2008 showing on my CR.
I applied for their Penfed platinum visa and got a $5000 CL.
I think my scores then were hovering around the 680-710 range (didnt check before app)
I think they are more lenient than the big banks. You already have the hit, might as well get a TL...
All the best
You're 100% correct. Not really anything to lose.
Tell me, if I wait a week or so and apply online do I need to remind them not to pull my EQ again or will they automatically use the one they pulled previously?
PenFed most definitely does preapprovals. They don't mail them out, though - they are available through the website. (I also had an extensive discussion with one of the CSR's regarding pre-app offers within the last 30 days.)
As for preapprovals before having a credit product I believe Her Ladyship was preapproved for an auto loan (I think it was $35K) at membership time. On a later round of pre-app offers that turned into a $50K auto loan and $40K credit card. She accepted $20K of the credit card offer and turned her $10K PCR Visa into a $30K PCR Visa.
As for PenFed being easier than _______. Nah - they are very tight. But if you joined and have a CBR working with them you might as well take the "free" app and try to get yourself a PCR Visa while the gettin' is good!
@creditwherecreditisdue wrote:PenFed most definitely does preapprovals. They don't mail them out, though - they are available through the website. (I also had an extensive discussion with one of the CSR's regarding pre-app offers within the last 30 days.)
As for preapprovals before having a credit product I believe Her Ladyship was preapproved for an auto loan (I think it was $35K) at membership time. On a later round of pre-app offers that turned into a $50K auto loan and $40K credit card. She accepted $20K of the credit card offer and turned her $10K PCR Visa into a $30K PCR Visa.
As for PenFed being easier than _______. Nah - they are very tight. But if you joined and have a CBR working with them you might as well take the "free" app and try to get yourself a PCR Visa while the gettin' is good!
When they do give pre-approvals, where on the website do they appear?
Also, if I wait a week or so and apply online, will they still pull another credit report or will their system automatically use the current one they pulled just recently?