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@haulingthescoreup wrote:
Offers are back as of this morning --same ones on the copy/ pasted list on post one, other than the line of credit (which I still have, but have never used, btw.) Not quite six months since the last set of offers.
Following the wisdom of a Member Who Is No Longer Here, I won't be accepting any of these offers this time around.
You know, I have to agree. It is probably more satisfying to NOT TAKE AN OFFER or SEEK A CLI. That means that I don't need them at all. I would much rather have them coming to me then me ever needing to solicit them.
@creditwherecreditisdue wrote:
Somehow I don't think it is a coincidence that offers appeared/disappeared overnight. It is 01OCT - the first day of the fourth quarter.
I concur. Mine disappeared this morning.
@creditwherecreditisdue wrote:
You're not going for the 25K overdraft account?
smallfry wrote:
Sadly still nothing but the cell phone thingee for moi.
Hauling:
I have the exact same offers on Penfed site after reading your email with the exception of 50K on the new and used cars.
I do have a question too... The personal line of credit, once executed, how does this show up on the CR? As revolving or installment or other?
I have no "other" so maybe that would be good for mix (maybe not), revolving would be fine (util help) and nice to have that line open if needed, and installment would be the worse (for me) of the 3 (already have a car loan in installment) but still not bad idea to have it open.
Wondering if you know how it will "post" to your CReport?
A personal line of credit should report as revolving. (Which is what it is.)
A personal loan should report as installment. (Which is what it is.)
I think Penfed reports your OD on your CR.
If the OD account balance is zero, wouldn't that be a positive, over time, for your FICO score?