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Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: PenFed/JFCU

I was just perusing the PenFed site and noticed they have a gas rewards card with 5 percent cash back on pay at the pump. That's awesome.
Here we go again...
Established Member
sealdog
Posts: 24
Registered: ‎02-24-2008

Re: PenFed/JFCU

I have Penfed and they are awesome. The products were very easy to obtain and i only had to pay 20 to join but i changed my membership to lifetime because they gave me a 10000cl and offered me a 35000 auto loan at 4.25% if only i was in the market for a auto, but am not. I did however take their cl and cs said to call after i get the card and she is sure they will increase the card, if not much change in my credit profile.  All without financial info. I have 6 CU and by far Penfed is the best
6/01/08 TU 755 EQ780Ex 757
I am heading to the 800 club landing strip on all 3 cylinders. You guys are the wind beneath my wings!!!!!
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007

Re: PenFed/JFCU

Just posted: PenFed is now offering 2.99% APR lifetime BT. THey just keep getting better and better!
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008

Re: PenFed/JFCU

So what's got to happen for a guy to join PenFed?
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: PenFed/JFCU



beenthere wrote:
So what's got to happen for a guy to join PenFed?


Join the Military Families Association.
 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008

Re: PenFed/JFCU

Thank you. I was wondering about credit age and BKs and FICO scores and all that.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007

Re: PenFed/JFCU

[ Edited ]
My opinion, and my opinion only, is your EQ is too low for PenFed, coupled with new car loan and credit cards... but wait! What is your current APR on your car loan and the model year of the vehicle. PenFed has 4.25% finance and refinance automobiles that will at least get your foot in the door with a loan product... possibly a cc.

Message Edited by FaircreditguyFL on 05-06-2008 06:02 AM
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008

Re: PenFed/JFCU



FaircreditguyFL wrote:
My opinion, and my opinion only, is your EQ is too low for PenFed, coupled with new car loan and credit cards... but wait! What is your current APR on your car loan and the model year of the vehicle. PenFed has 4.25% finance and refinance automobiles that will at least get your foot in the door with a loan product... possibly a cc.

Message Edited by FaircreditguyFL on 05-06-2008 06:02 AM

The APR on my new/2008 car is 4.9% and I paid 40% down on the car. I'm leaving the car alone. I have a dispute with EQ that I just initiated. They have the same vehicle and account listed twice. Once as PIF/paid as agreed and the other as being included in a BK. Next week my EQ will be my best score. In 6 months all my scores will be over 700 easily.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693

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