topic Re: PenFed Offers - Clarification in Credit Card Applications

PenFed Offers - Clarification

Five6Two — Tue, 29 Dec 2020 20:13:53 GMT

Hi friends, been in the garden trying not to get in trouble

Wondering if someone can provide some clarity regarding the offers attached...first page seems clear, second page seems like I am limited to just those options and then when I select all offers it shows more options. Any thoughts?

Re: PenFed Offers - Clarification

AverageJoesCredit — Tue, 29 Dec 2020 23:53:56 GMT

The laat offers are what everyone here craves. Those are usually solid and sp offers.

Re: PenFed Offers - Clarification

credit_is_crack — Wed, 30 Dec 2020 01:31:17 GMT

@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers.

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

There might be a wonky glitch in yours or something

Re: PenFed Offers - Clarification

Five6Two — Wed, 30 Dec 2020 07:34:07 GMT

Hey @credit_is_crack thanks for replying! The credit card offers page is actually directly from the home page. But when I click "all offers" I get the other option, higher limits on cc and auto loan offers. Pretty wonky - I just don't want to go through process and get hit with an hp or even a new card with such a low limit.

Re: PenFed Offers - Clarification

coldfusion — Wed, 30 Dec 2020 09:13:18 GMT

You won't take a HP if you select a credit card offer.

If your mindset is that you would accept a $9400 offer but not a $3200 offer I would go ahead and call them for clarification and then jot down the time and name of the person you spoke with.

Re: PenFed Offers - Clarification

coldfusion — Wed, 30 Dec 2020 09:20:01 GMT

@credit_is_crack wrote:
@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers.

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

There might be a wonky glitch in yours or something

You'll be an interesting data point because of the headaches from earlier this year when PenFed imposed the $25K CL limits and then subsequently made offers which were accepted when the end state of the card would be a CL exceeding $25K. I hope they've since smoothed out the kinks.

Re: PenFed Offers - Clarification

AverageJoesCredit — Wed, 30 Dec 2020 11:33:59 GMT

At least you can have this discussion. Ive only ever seen Turbo Tax and auto loan banner.In 4+ years. You get to actually play with color

Re: PenFed Offers - Clarification

CreditCuriosity — Wed, 30 Dec 2020 13:02:17 GMT

@coldfusion wrote:
@credit_is_crack wrote:
@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers.

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

There might be a wonky glitch in yours or something

You'll be an interesting data point because of the headaches from earlier this year when PenFed imposed the $25K CL limits and then subsequently made offers which were accepted when the end state of the card would be a CL exceeding $25K. I hope they've since smoothed out the kinks.

shouldnt be an issue if grandfathered account. might need to kick possibly a bit, but will get it imho.

Re: PenFed Offers - Clarification

KJinNC — Wed, 30 Dec 2020 18:50:09 GMT

I'm having problems logging into PenFed right now on my computer. Nothing happens when I click the Login button.

On my phone, I was able to log in, and I see the usual two offers, plus a PenFed Gold card promotion of some sort. I don't know if it's technically an offer, or just marketing. When I click on it, it shows details about the card including APR range (not a specific APR), but also, I notice that I'm logged out when that page comes up, so there's no way the information could be targeted to me anyway. I guess today's not my day for anything PenFed-related.

Re: PenFed Offers - Clarification

Wavester64 — Wed, 30 Dec 2020 21:51:00 GMT

Thank God I still have that TURBO TAX offer sitting there!

Re: PenFed Offers - Clarification

KJinNC — Thu, 31 Dec 2020 17:30:51 GMT

Finally got in, but only in Firefox ... still can't log in using Chrome on my laptop ...

Is this a gold card offer, or is it just marketing?

Re: PenFed Offers - Clarification

AllZero — Thu, 31 Dec 2020 17:31:30 GMT

@KJinNC wrote:
Finally got in, but only in Firefox ... still can't log in using Chrome on my laptop ...

Is this a gold card offer, or is it just marketing?

@KJinNC Top banner is marketing. Lower right is where you want to look.

Re: PenFed Offers - Clarification

KJinNC — Thu, 31 Dec 2020 01:32:13 GMT

Thanks ... looks like they can hook me up with TurboTax and that's it

Re: PenFed Offers - Clarification

FinStar — Thu, 31 Dec 2020 17:32:20 GMT

@AllZero wrote:
@KJinNC wrote:
Finally got in, but only in Firefox ... still can't log in using Chrome on my laptop ...

Is this a gold card offer, or is it just marketing?

@KJinNC Top banner is marketing. Lower right is where you want to look.

Yup, just a marketing ad.