PENFED 3rd Quarter PreApproval Master Thread

[MS00000000]

Is it safe to assume if you see only the "Other Offers" box, that you don't have any offers?

I have never seen anything like the "My Offers" box show at the beginning of this thread, and I always wished I was looking in the wrong place, but it's more likely that my credit profile somehow scares them. They've turned me down 2-3 times for credit cards, but I've had a savings account with them for almost 2 years now.

I am thinking that by the time they want to offer me something, I'll have already found it elsewhere. 

[Crashem]

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@Anonymous wrote:

My appoligies in the confussion you are correct I was not being very articulate in the details.  50 per ACH transaction every day!  Just sucks I wanted to just transfer like 500 bucks but I have to do it one day at a time and 50 bucks at a time. 

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Mail in a check. I had to do that.

[Crashem]

If you didn't get offers this quarter, check to see if you got soft pull from them on EQ on 6/12. If you did, they didn't offer for whatever reason. If they didn't soft, you need to figure out a way to jog the system. Might be worth a call to them.

[Anonymous]

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@Crashem wrote:

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@Anonymous wrote:

My appoligies in the confussion you are correct I was not being very articulate in the details.  50 per ACH transaction every day!  Just sucks I wanted to just transfer like 500 bucks but I have to do it one day at a time and 50 bucks at a time. 

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Mail in a check. I had to do that.

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Yes Yes I know its' funny how the little things in life we seem to forget and take advantage of, once again since i'm in Afghanistan I don't have access to my checks becaue I didn't bring them with me to a combat zone! 

[Jazzzy]

I have offers, but the format changed.

This time there is a box that says "Your Offers." It is not the same yellow box it used to be. It's on the right side, under the Transfers box.

In the box it says "Auto Loan" and there is a green "Accept" button. I didn't click that. Underneath that there is the line "See all offers." When I click that then the potential loans come up. They are for cars, boats, motor homes, etc. They range from $30k to $39.9k.

There are no credit cards listed, but I got a new one from them about 6 months ago, so that doesn't surprise me. So, if I wanted to spend money, the offers are there.

[bettercreditguy1]

Hey guys, I just got my monthly Pen Fed Statement. Inserted was a flyer offering 1.99% interest on a new or used automobile loan for up to $ 48,000.

[jla84]

All I have are auto/boat/moter home/etc loans, and only for $15K.

But my EQ score has dropped considerably from student loan shenanigans (transferred from dept of ed to mohela seems to have wreaked havoc on the reporting) plus new credit. I'm a little nervous that they see my current score and will actually CLD me now. Ahhh!

[youngman1234]

I got a soft pull on eq on 6/12...but got no offers ??...score at that time was 670. Currently 744

[Crashem]

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@youngman1234 wrote:
I got a soft pull on eq on 6/12...but got no offers ??...score at that time was 670. Currently 744

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Sorry, your score jumped from 670 to 744 in about a month? Nice. You have to wait another quarter. While 744 is good, you might not get preapprovals. Might want to app and take the hp.

[Crashem]

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@MS00000000 wrote:

Is it safe to assume if you see only the "Other Offers" box, that you don't have any offers?

I have never seen anything like the "My Offers" box show at the beginning of this thread, and I always wished I was looking in the wrong place, but it's more likely that my credit profile somehow scares them. They've turned me down 2-3 times for credit cards, but I've had a savings account with them for almost 2 years now.

I am thinking that by the time they want to offer me something, I'll have already found it elsewhere. 

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Check your equifax for the soft pull on 6/12. What does equifax fico look like? If no soft pull, need to be a little more active with accounts. But a little voodoo science to figure out what to do.