DI, I'm pretty sure it was at the 1 year mark that I started receiving offers. They seem to change every other month or so, maybe quarterly. Not sure. This was the first time I received offers that included credit cards and I sure as heck didn't expect to see these kinds of numbers.
I called back and told them I just missed a few calls and wanted to be sure everything was okay with my accounts. The woman told me it was their outbound department calling about some offers. First she offered me a car loan, but I don't need that. I got a great 1.9% deal on my new accord already so she then offered me their new amex that has a great reward structure actually. 5 points for airfare, 3 points for dining out which I really love because we dine out frequently and I don't get much for that on my other cards and 1 point per dollar on everything else,I believe. 20,000 bonus points after spending $650. I took it but when she asked me if I wanted the full $45k, I told her it was excessive for my usage and $20-25k range would be great because i don't like to go over 50% of my CL even though I typically pay in full, or a max of one month. She read me some info., etc. and we hung up. I checked my account and it says APPROVED and for $25k. I'm a happy camper. I'm not sure what made PenFed decide to like me, they were BRUTAL to me for my first credit card app, but it will be nice to have this CL in my portfolio!
