cancel
Showing results for 
Search instead for 
Did you mean: 

PenFed cardholders

Established Contributor

PenFed cardholders

When do the pre approvals come out and how long after opening a card do they include new members in the pre approval process?


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 1 of 9
8 REPLIES
Valued Contributor

Re: PenFed cardholders

Great question, I would like to know as well


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 2 of 9
Established Contributor

Re: PenFed cardholders


chnceit wrote:

Great question, I would like to know as well


I had to edit my post! I'm on my iPad!! 


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 3 of 9
Frequent Contributor

Re: PenFed cardholders


LesWH wrote:

When do the pre approvals come out and how long after opening a card do they include new members in the pre approval process?



The pre-approvals come out around the 1st of  Jan, April, July and Oct,  If you get them,   it's 1 year or later after you get your CC.


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 4 of 9
Established Contributor

Re: PenFed cardholders

My wife has been a member for 30 months now. She has never received any preapprovals. However, they did give her a auto CLI on her Plat. Cash Rewards Visa at about 20 months.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 5 of 9
Valued Contributor

Re: PenFed cardholders


newportguy wrote:

LesWH wrote:

When do the pre approvals come out and how long after opening a card do they include new members in the pre approval process?



The pre-approvals come out around the 1st of  Jan, April, July and Oct,  If you get them,   it's 1 year or later after you get your CC.


One year! Darn thats long! Thanks for the info


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 6 of 9
Established Contributor

Re: PenFed cardholders

Where do the preapprovals show up?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Message 7 of 9
Regular Contributor

Re: PenFed cardholders

I was told I was preapproved for a car loan when I called in about my cc application status. Offer also shows up on the right side of the homepage, right in between the Transfer Funds & I want to sections.


Last app 5/7/2014

No apps until 3/31/2016!
Message 8 of 9
Established Contributor

Re: PenFed cardholders

I am a member of Penfed but there approval criteria is worse than Big Banks. They sure dont have the Credit Union feel of personalized service and less than perfect credit which the credit union was founded to provide. Dont expect many pre approvals.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 9 of 9