For every bad thing someone finds about Pf, you'll also find a good thing. And vice versa about Navy. Navy is amazing but their online communication is horrible. You apply for something, only way you find out results ( if approved) is if it shows up in your account. Both PF and Navy could work on their response times to sm's, if you get back a reply. This has been my experience so gotta take the good with the bad. If Pf was handing out limits like Navy im pretty sure there would be more PF luvin
. Just my really average , almost midweek ,thoughts for today
. Just my really average , almost midweek ,thoughts for today
@AverageJoesCredit wrote:
For every bad thing someone finds about Pf, you'll also find a good thing. And vice versa about Navy. Navy is amazing but their online communication is horrible. You apply for something, only way you find out results ( if approved) is if it shows up in your account. Both PF and Navy could work on their response times to sm's, if you get back a reply. This has been my experience so gotta take the good with the bad. If Pf was handing out limits like Navy im pretty sure there would be more PF luvin
+1 This exactly.
@Loquat wrote:
@AverageJoesCredit wrote:
For every bad thing someone finds about Pf, you'll also find a good thing. And vice versa about Navy. Navy is amazing but their online communication is horrible. You apply for something, only way you find out results ( if approved) is if it shows up in your account. Both PF and Navy could work on their response times to sm's, if you get back a reply. This has been my experience so gotta take the good with the bad. If Pf was handing out limits like Navy im pretty sure there would be more PF luvin+1 This exactly.
I've been a member of NFCU for over 30 years (eek, I'm old) and PenFed for just 2. NFCU will always be my favorite but PenFed has become a close second. Customer service has been outstanding the few times I had contact with them and they have been very generous in giving me credit.
No doubt if your profile supports it Penfed can be very generous. I think this is whats missed sometimes. It happened to me at the begining but now i understand it better. Sometimes when all someone sees are these huge limits given out by Navy, we assume its our right or we should all get them , even from PF ( as they seemed to be giving out pretty good limits about a year ago). What many fail to realize is that our profiles are different and many who have gotten those limits, their profiles and incomes support them . I know their are odd cases, happens with many bank cards as well just look at Discover when they give someone with a really thin file a 12k sl while other more established files struggle to get that kind of luvin.Best thing we can do with these CU's is work on our own profiles and get them in best possible shape. Good things will happen eventually
@AverageJoesCredit wrote:
For every bad thing someone finds about Pf, you'll also find a good thing. And vice versa about Navy. Navy is amazing but their online communication is horrible. You apply for something, only way you find out results ( if approved) is if it shows up in your account. Both PF and Navy could work on their response times to sm's, if you get back a reply. This has been my experience so gotta take the good with the bad. If Pf was handing out limits like Navy im pretty sure there would be more PF luvin
You are right on with that statement.
Update to this fiasco i logged into my Penfed account the credit card was gone only my savings account was listed so card fianlly arrived called number on sticker it said card was activavted i called rep asked why card wasn't showing in my account he said no worries it will tomorrow. I asked him before i hung up is card active and ready he said its good to go. Ok i hang up and tried to add the card to Samsung Pay it said to call bank so i called member services back get another rep i said i was trying to add the card to Samsung Pay she said ok let me take a look she comes back and says card is temporary froze because they want 2 Years W2s and pay stub and DL and utility bill. I will not be providing docs i didn't overstate my income its not worth all that for a toy limit they gave i know its there right to ask. They are very backwards why approve a card and send the card u supposed to ask for docs first.
