topic Re: Are Penfed Pre-qualified Offers a soft pull? in Credit Cards

Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 01:01:47 GMT

I've never received prequalified offers in the 3 years I've been a member of Penfed until today. Changing their system to FICO 9 must have pulled me out of the bad credit bucket. lol

I don't intend to app for anything with them. I'm just curious if its a HP or SP? I noticed you could change the asking amount and also check a box that you'll allow them to pull your credit. I thought I read in the forums that this would be a SP? Maybe a SP if you accept the original offer?

Are they still allowing folks to reallocate credit between cards? It's been a while since I goofed around with them concerning CCs. Thanks for any advice.

Re: Are Penfed Pre-qualified Offers a soft pull?

Anonymous — Tue, 29 Aug 2017 02:19:51 GMT

@Gmood1 wrote:
I've never received prequalified offers in the 3 years I've been a member of Penfed until today. Changing their system to FICO 9 must have pulled me out of the bad credit bucket. lol
I don't intend to app for anything with them. I'm just curious if its a HP or SP? I noticed you could change the asking amount and also check a box that you'll allow them to pull your credit. I thought I read in the forums that this would be a SP? Maybe a SP if you accept the original offer?

Are they still allowing folks to reallocate credit between cards? It's been a while since I goofed around with them concerning CCs. Thanks for any advice.

Yes the prequalified offers are SPs if you accept them as is. If you ask for more, it will be an HP.

Not sure about the credit reallocation as I've never tried that.

Re: Are Penfed Pre-qualified Offers a soft pull?

Anonymous — Tue, 29 Aug 2017 01:40:05 GMT

Offers are SP.....I never get them bc I joined dirty.

Re: Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 01:48:28 GMT

@Anonymous wrote:
@Gmood1 wrote:
I've never received prequalified offers in the 3 years I've been a member of Penfed until today. Changing their system to FICO 9 must have pulled me out of the bad credit bucket. lol
I don't intend to app for anything with them. I'm just curious if its a HP or SP? I noticed you could change the asking amount and also check a box that you'll allow them to pull your credit. I thought I read in the forums that this would be a SP? Maybe a SP if you accept the original offer?

Are they still allowing folks to reallocate credit between cards? It's been a while since I goofed around with them concerning CCs. Thanks for any advice.
Yes the prequalified offers are SPs if you accept them as is. If you ask for more, it will be an HP.

Not sure aboutt he credit reallocation as I've never tried that.

Thanks for the info. I guess I could just call and ask.

Re: Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 01:50:05 GMT

@Justagirl73 wrote:
Offers are SP.....I never get them bc I joined dirty.

Thanks! You will eventually. I was dirty when I joined.

Re: Are Penfed Pre-qualified Offers a soft pull?

Meanmchine — Tue, 29 Aug 2017 02:08:11 GMT

Dirty?

Re: Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 02:13:01 GMT

@Meanmchine wrote:
Dirty?

CRs have negative accounts reporting.

Re: Are Penfed Pre-qualified Offers a soft pull?

AverageJoesCredit — Tue, 29 Aug 2017 02:16:34 GMT

Im dirty filthy just paying my penance in the garden working in the pool area with my hoes

Re: Are Penfed Pre-qualified Offers a soft pull?

AverageJoesCredit — Tue, 29 Aug 2017 02:18:51 GMT

Oh and congrats on getting preapprovals GMood

Re: Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 02:26:06 GMT

@AverageJoesCredit wrote:
Oh and congrats on getting preapprovals GMood

Thanks my friend! If didn't already have the USAA Limitless. I'd grab that 2% cash back card from Penfed. The Limitless makes the other general spend CB cards nearly obsolete!

Re: Are Penfed Pre-qualified Offers a soft pull?

shoegal — Tue, 29 Aug 2017 02:38:24 GMT

Congrats on the preappovals! You give me hope that someday they send me some. I joined dirty too.

Re: Are Penfed Pre-qualified Offers a soft pull?

AverageJoesCredit — Tue, 29 Aug 2017 02:49:46 GMT

Thats true, with a Limitless, PF Is on the back burner but nice to have opyions. I still cant see my fico 9 so itll be interesting when it shows up on my account. Any idea when is their next AR?

Re: Are Penfed Pre-qualified Offers a soft pull?

Gmood1 — Tue, 29 Aug 2017 02:58:34 GMT

Isn't it 90 days in-between ARs for Penfed? Or atleast before they show up on the site. Their ARs lag well behind what we see on the site.

Re: Are Penfed Pre-qualified Offers a soft pull?

Anonymous — Tue, 29 Aug 2017 03:10:05 GMT

@Gmood1 wrote:
Isn't it 90 days in-between ARs for Penfed? Or atleast before they show up on the site. Their ARs lag well behind what we see on the site.

Yes, every 3 months