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Could someone tell me a few things about PenFed? I logged back on to their site and now my status says transferred and also an approval for a car loan for 35,000 has come up near the random offers at the top,is this normal and is this a real offer? Thanks for any help on this subject( I have never had a ccc offer so good of their products like this if this is legit)
Transferred means it was sent out to get printed and mailed to you. Basically, it means you're good to go.
The car loan you're seeing is not a true pre-approval. This is what their true pre-approved offers look like:
I hope you don't mind my posting under your thread. I saw your subject line and since I am considering applying for a Pen Fed CC was curious about the posts here. I'd really appreciate heaing about other's experiences getting approved for a CC with them. How stringent are their standards? My EQ FICO is about 670 with one 6-yr old collection. Do I have a chance? I'd hate to get dinged w/an inq only to be declined.
Thanks!
@bichonmom wrote:I hope you don't mind my posting under your thread. I saw your subject line and since I am considering applying for a Pen Fed CC was curious about the posts here. I'd really appreciate heaing about other's experiences getting approved for a CC with them. How stringent are their standards? My EQ FICO is about 670 with one 6-yr old collection. Do I have a chance? I'd hate to get dinged w/an inq only to be declined.
Thanks!
I think you do not have a chance with PenFed right now.
Hmmm. That's what I was afraid of. Have heard of so many people on the forum getting approved with them that I was hopeful.
Thank you.
Thanks shadow2k for the reply and info, and yes that is what mine looks like, sorry if I didn't explain it better. (You're Approved then it says vehicle loan but thats all other than the opt. out of offers)when I clicked on it it said 35,000.
@creditchief wrote:Thanks shadow2k for the reply and info, and yes that is what mine looks like, sorry if I didn't explain it better. (You're Approved then it says vehicle loan but thats all other than the opt. out of offers)when I clicked on it it said 35,000.
If you've got the gold box...you're basically golden to take whatever they're offering you. Those are *normally* already approved and don't even require a hard pull...normally. Of course...I've never seen the magical gold box, so I don't know the exact process.
@Anonymous wrote:
@creditchief wrote:Thanks shadow2k for the reply and info, and yes that is what mine looks like, sorry if I didn't explain it better. (You're Approved then it says vehicle loan but thats all other than the opt. out of offers)when I clicked on it it said 35,000.
If you've got the gold box...you're basically golden to take whatever they're offering you. Those are *normally* already approved and don't even require a hard pull...normally. Of course...I've never seen the magical gold box, so I don't know the exact process.
I got the gold box last year and for me the approval was good to go (no hard pull). My Visa rewards went from 17k to 32k. Needless to say I was ecstatic!
The gold box has always been....errr...golden for me. No hard pulls and instantly approved every time. I wish more CUs had it!