I've had the plain vanilla Gold Visa card for nearly 3 years now. While I had a dirty report when I was approved my report is now squeaky clean. I see they softed my EQ a couple of days ago and still none have appeared. The APR on the card is just a shade under my worst APR which is from Chase. Has anyone been able to get a rate reduction from Penfed? I do use the card a lot and was expecting to see something. Anyone else getting the same treatment?
