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joined penfed

Frequent Contributor

joined penfed

Figured what they hay and joined penfed yesterday. didnt app for any cards yet. uti is a little high......but next month!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




7 REPLIES
Contributor

Re: joined penfed

I think you should of waited till next month to join when your utilization was down. Seems they use the same hard pull from membership for 90 days. So even if you wait a month to app they will still use the same pull you took to join. This is why I'm waiting until next month to join. Hopefully for you I'm wrong but I'm thinking I'm right.
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Frequent Contributor

Re: joined penfed

didnt even think of that......smh

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Established Contributor

Re: joined penfed

Do they use the same pull to join for ccs and car loans!?
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor

Re: joined penfed


ricefed wrote:
I think you should of waited till next month to join when your utilization was down. Seems they use the same hard pull from membership for 90 days. So even if you wait a month to app they will still use the same pull you took to join. This is why I'm waiting until next month to join. Hopefully for you I'm wrong but I'm thinking I'm right.

+100000!! They use the same credit report!  You should have waited.


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






Frequent Contributor

Re: joined penfed

well guess I will be in the garden for 91 days.....lol

 

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Contributor

Re: joined penfed

Lol just thing you'll have a higher aaoa when you app.
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Highlighted
Regular Contributor

Re: joined penfed

they will use the same pul when i reoprned my accoundl i got 3 product for one pull 

personal line  5k

platinum csh rewards visa 22.5k

defender amex 10k