topic Re: Penfed offers in Credit Card Applications

Penfed offers

Trinzero — Fri, 27 Jan 2023 12:14:23 GMT

Hello MyFico Fam!

I hope this year is treating ya'll well!

Wondering if anyone knows what is happening here.

So Penfed is showing this:

But when I click on apply it shows me:

But no cards ever populate. 🤔

Any thought or guidance or commiseration welcome 😁

Re: Penfed offers

hawkins — Fri, 27 Jan 2023 12:22:30 GMT

It is a little strange but I'm guessing it's the gold card. If you did finish it you should get a message that it's approved if not you can also call them and ask.

Re: Penfed offers

Trinzero — Fri, 27 Jan 2023 12:27:13 GMT

@hawkins Thanks for the reply.

It doesnt give me an option to start the app, let alone finish lol It just shows what I posted.

I probably wouldn't take the card anyhow but Id love to see the offer! 😁

Re: Penfed offers

bigseegar — Fri, 27 Jan 2023 12:39:10 GMT

Pretty well known that the PenFed "Preapproval" page/pop up is very glitchy and also comes and goes. While people see it or get it from time to time, I don't ever recall anyone actually being approved (at least since I've been paying attention to Penfed) from it. PenFed's technical website side period is very poor as well to me.

Just like I cold app'ed myself to them exactly two weeks ago today and it went to Review. Two hours later and after business hours they text and emailed and ask for POI, which I provided right then. An hour later I was approved but had to call in and get the details. Then I see all these posts about it taking people approved 30+ days to get their new card, yet mine came yesterday. Sadly, just no real rhyme or reason on stuff over there.

Re: Penfed offers

TRC_WA — Fri, 27 Jan 2023 16:27:48 GMT

@bigseegar wrote:
Pretty well known that the PenFed "Preapproval" page/pop up is very glitchy and also comes and goes. While people see it or get it from time to time, I don't ever recall anyone actually being approved (at least since I've been paying attention to Penfed) from it. PenFed's technical website side period is very poor as well to me.

PenFed's website is absolute garbage. The worst banking website I have seen anywhere. EVER.

3-4 months ago shortly after getting my gold card I had multiple pre-approvals and their website was crashed for days... leaving me unable to complete the apps. A week or so later the pre-approvals were gone and they invited me to apply over the phone and I was of course denied.

Garbage.

PenFed can bite me. Even with their upcoming website update from 1999 to 2023 hardware they still can't touch NFCU.

Re: Penfed offers

wingennis — Sat, 28 Jan 2023 01:45:17 GMT

I also got this. I could get the loan to populate but not the card. I already have the PCR and Gold at 25k each so I figured it was a glitch. The card offer was gone this morning but the loan was still there.

Re: Penfed offers

Credit-hoarder — Sat, 28 Jan 2023 03:29:17 GMT

I got the same 2 offers also. Was able to get the loan app to load but not the credit card. Would have been nice to finally get the last $3800 I need to make my Promise a $50k card.

Re: Penfed offers

MrBEW — Sat, 28 Jan 2023 13:30:04 GMT

I contacted them via email about the glitch and was told to clear my cache............still did not work.

Re: Penfed offers

wingennis — Sat, 28 Jan 2023 15:38:11 GMT

@Credit-hoarder wrote:
I got the same 2 offers also. Was able to get the loan app to load but not the credit card. Would have been nice to finally get the last $3800 I need to make my Promise a $50k card.

You are SO close!

Re: Penfed offers

Rogue46 — Sat, 28 Jan 2023 19:12:06 GMT

@TRC_WA

This is exactly why I don't bring more business to Penfed. The website is ancient and hard to navigate, No thanks

Re: Penfed offers

7774x — Sun, 29 Jan 2023 00:10:16 GMT

@Trinzero wrote:
Hello MyFico Fam!
I hope this year is treating ya'll well!

Wondering if anyone knows what is happening here.
So Penfed is showing this:
But when I click on apply it shows me:
But no cards ever populate. 🤔
Any thought or guidance or commiseration welcome 😁

Pre approved not always solid.. got one was denied.. 2nd one went thru a month later

Re: Penfed offers

Remedios — Mon, 30 Jan 2023 13:47:57 GMT

@Trinzero wrote:
Hello MyFico Fam!
I hope this year is treating ya'll well!

Wondering if anyone knows what is happening here.
So Penfed is showing this:
But when I click on apply it shows me:
But no cards ever populate. 🤔
Any thought or guidance or commiseration welcome 😁

Have you tried a different device? Also, if you have pop-up blocker, it won't open - ever. So, try a different device or pay attention to address bar once you click "apply" to see if built-in pop up blocker activates.

But yeah, Penfed website do be glorified Word document.

Re: Penfed offers

CerebralZulu — Mon, 30 Jan 2023 15:12:19 GMT

@Credit-hoarder wrote:
I got the same 2 offers also. Was able to get the loan app to load but not the credit card. Would have been nice to finally get the last $3800 I need to make my Promise a $50k card.

Is Penfed still allowing cards up to 50K? I read that was a thing of the past.

Re: Penfed offers

Trinzero — Mon, 30 Jan 2023 15:14:11 GMT

Good suggestions all.

Before posting, I tried a different browser (3), different device, turning off adblock, incognito, clearing cookies...

Nothing worked. Both offers are still there on the main page and show when I go into credit score, it just wont show the details on the credit card, only the loan. I guess its not meant to be that I see it! 🤷‍♂️

Re: Penfed offers

Remedios — Mon, 30 Jan 2023 15:23:04 GMT

If you are interested, just apply. You will get same terms as pre-approval.

While pre-approvals are nice and cute, it ain't over until they do a HP, which you'd get with or without pre-approval.

Re: Penfed offers

Trinzero — Mon, 30 Jan 2023 15:39:49 GMT

I have a 21k card with them and I was under the impression, from posts I have read here, that the offers allowed the opportunity to CLI without HP. Are these not sp offers?

Mostly though I was just curious to see this imaginary offer! 😁

Re: Penfed offers

OmarGB9 — Mon, 30 Jan 2023 22:26:20 GMT

@Trinzero wrote:
I have a 21k card with them and I was under the impression, from posts I have read here, that the offers allowed the opportunity to CLI without HP. Are these not sp offers?
Mostly though I was just curious to see this imaginary offer! 😁

Used to be that way, I believe that is no longer the case. I believe @coldfusion can shed some more light on this.

Re: Penfed offers

coldfusion — Mon, 30 Jan 2023 22:42:33 GMT

Yes...they used to extend targeted offers on Jan/Apr/Jul/Oct 1 for auto loans and/or a credit card or in some cases your choice of a card. Card offers had a defined SL, and if you accepted an offer it was only a soft pull.

If the offer listed a card you already held they processed it as a CLI on your existing card, not a 2nd card of the same type.

A few people got targeted offers after less than a year of membership but it was more common to have to wait closer to 2 years to start getting offers.

Re: Penfed offers

Credit-hoarder — Mon, 30 Jan 2023 23:07:54 GMT

@coldfusion wrote:
Yes...they used to extend targeted offers on Jan/Apr/Jul/Oct 1 for auto loans and/or a credit card or in some cases your choice of a card. Card offers had a defined SL, and if you accepted an offer it was only a soft pull.

If the offer listed a card you already held they processed it as a CLI on your existing card, not a 2nd card of the same type.

A few people got targeted offers after less than a year of membership but it was more common to have to wait closer to 2 years to start getting offers.

That's the way I thought offers work(ed) also. The offered me a card 4 years ago at twice the CL of the existing card (Promise) I had with them at the time of the offer. I opted to take it as a CLI and never received a HP. And I had been with them for less than a year at that time also.

Re: Penfed offers

Credit-hoarder — Mon, 30 Jan 2023 23:14:39 GMT

@CerebralZulu wrote:

@Credit-hoarder wrote:
I got the same 2 offers also. Was able to get the loan app to load but not the credit card. Would have been nice to finally get the last $3800 I need to make my Promise a $50k card.
Is Penfed still allowing cards up to 50K? I read that was a thing of the past.

You can still only go up to $50k--but if it's a new card after the change took place a sometime back (can't remember exactly when)--it's $25k max per card up to 2 cards.