topic Re: PenFed Pre Qual in Credit Cards

PenFed Pre Qual

corymcd88 — Sun, 01 Oct 2017 14:53:12 GMT

Did anyone get a pre approvals this quarter yet?

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 14:57:01 GMT

I did for the first time and then they disappeared along with my FICO 9 score. Score is back but not preapprovals. Last week they did send me a pre-approved check for up to $25,000 with a firm APR. I ripped it up and threw it in the trash.

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 15:31:00 GMT

I spoke too soon! It must have changed this morning. I went ahead and took the soft pull offer on the Penfed Power Cash rewards. lol

I'll call this morning and have them move some of my limit from my other card and bring it up $10k or a bit more.

Re: PenFed Pre Qual

pizza1 — Sun, 01 Oct 2017 15:47:23 GMT

@Gmood1 wrote:
I spoke too soon! It must have changed this morning. I went ahead and took the soft pull offer on the Penfed Power Cash rewards. lol
I'll call this morning and have them move some of my limit from my other card and bring it up $10k or a bit more.

Where in the world would you see any offers like you have on the acct page?? Ive looked everywhere!

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 15:51:05 GMT

Pizza it will be on the right side of the main account page. Mine has disappeared or I'd take a picture of it for you.

Re: PenFed Pre Qual

shoegal — Sun, 01 Oct 2017 15:59:00 GMT

Nice Gmood! I haven’t checked yet but I don’t think they’ll send me anything. Congrats!

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 16:16:46 GMT

@shoegal wrote:
Nice Gmood! I haven’t checked yet but I don’t think they’ll send me anything. Congrats!

Thank you shoegal! It took me 3 years to receive preapprovals since joining Penfed back in 2014.

Just got off the phone with PenFed. Eazy peazy, had them move $6200 from my other card to make this a $10,000 cl CC.

Re: PenFed Pre Qual

Anonymous — Sun, 01 Oct 2017 16:48:40 GMT

I don't think I got any pre-approvals, not that I was really expecting anything.

What surprised me was that they did another pull on 9/12 and my score dropped from 742 to 732 from 7/11. I thought the pre-approvals for October were using the AR scores from July/August? Can someone correct me on this?

Congratulations, Gmood! That's a great limit!

Re: PenFed Pre Qual

shoegal — Sun, 01 Oct 2017 17:30:31 GMT

@Gmood1 wrote:
@shoegal wrote:
Nice Gmood! I haven’t checked yet but I don’t think they’ll send me anything. Congrats!
Thank you shoegal! It took me 3 years to receive preapprovals since joining Penfed back in 2014.
Just got off the phone with PenFed. Eazy peazy, had them move $6200 from my other card to make this a $10,000 cl CC.

Awesome! I don't mind the wait. I did saw my score (EQ FICO 09) and it's higher than my FICO 08.

Re: PenFed Pre Qual

CreditCuriosity — Sun, 01 Oct 2017 17:53:03 GMT

Close to 3 years with them and no pre-approvals. I have a 5k PLOC, 35k CC and a card loan that started at 66k, you think they would show me some love eventually without a hp .. Plus they are my primary bank.. Granted MF scores have taken a beating lately for alot of recently opened acct. which doesnt help my arguement although Gmood has alot of new accts as well

Re: PenFed Pre Qual

credit_is_crack — Sun, 01 Oct 2017 18:13:00 GMT

@CreditCuriousity wrote:
Close to 3 years with them and no pre-approvals. I have a 5k PLOC, 35k CC and a card loan that started at 66k, you think they would show me some love eventually without a hp .. Plus they are my primary bank.. Granted MF scores have taken a beating lately for alot of recently opened acct. which doesnt help my arguement although Gmood has alot of new accts as well

+1 I've never seen any from them, but i just joined in 2015. I've had the Amex travel card and 5% gas card (both closed now) and still have my platinum rewards. I have an auto loan with a $29k balance (of $38k), and a savings with never more than $400. I joined with a dirty file so I'm still living thru those growing pains with PenFed, although I'm 100% clean now....in time maybe we'll get something!

Re: PenFed Pre Qual

credit_is_crack — Sun, 01 Oct 2017 18:14:46 GMT

@Gmood1 wrote:
I spoke too soon! It must have changed this morning. I went ahead and took the soft pull offer on the Penfed Power Cash rewards. lol
I'll call this morning and have them move some of my limit from my other card and bring it up $10k or a bit more

Another Win Gmood! Congrats on the card and that was a nice list of options! I never get Penfed preapprovals..in time my friend!

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 19:24:16 GMT

Thanks guys! Yeah... I have a feeling all of you will be seeing these preapprovals very soon. My files were also dirty when I joined them 3 years ago. Not a blemish in sight now.

Re: PenFed Pre Qual

credit_endurance — Sun, 01 Oct 2017 20:11:42 GMT

Congratulations Gmood on getting the pre approval finally! I still don’t see my updates for quarter Fico 9 scores. Have tried every different browser to no avail. their IT department is really screwed up over there.

Re: PenFed Pre Qual

Anonymous — Sun, 01 Oct 2017 20:15:06 GMT

I have never got any offers. Been with them for 12 months and went in clean.

Re: PenFed Pre Qual

AverageJoesCredit — Sun, 01 Oct 2017 20:20:30 GMT

Nice going Gmood i thought we talked about this? Those preapprovals belong to BruisedCredit and me lol. Well done though.

Re: PenFed Pre Qual

Gmood1 — Sun, 01 Oct 2017 23:34:30 GMT

@AverageJoesCredit wrote:
Nice going Gmood i thought we talked about this? Those preapprovals belong to BruisedCredit and me lol. Well done though.

Lmao! Well...ok..ok...I'm going to send the rest of them you guys way.

God knows you could use them down in Puerto Rico right now Joe. Prayers going out to you my friend!

Re: PenFed Pre Qual

credit_endurance — Sun, 01 Oct 2017 20:26:11 GMT

@AverageJoesCredit wrote:
Nice going Gmood i thought we talked about this? Those preapprovals belong to BruisedCredit and me lol. Well done though.

Certainly a head-scratcher AJC about those updated scores. We seem to be the (only) 2 not showing yet. They must really don’t like us for some reason or another lol!

Re: PenFed Pre Qual

AverageJoesCredit — Sun, 01 Oct 2017 20:50:28 GMT

Haha Thanks Gmood, sincerely

Bruised, i was able to login yesterday to pay my netflix, funds abit limited right now but want to try to keep my cc's up to date if i can, and i still dont see anything. Believe me my eyes always scan those banners. Not much more to look at on that homepage haha

Re: PenFed Pre Qual

jbh — Sun, 01 Oct 2017 21:11:25 GMT

Forgive me, what is the indicator of a pre-approval? Is it the banners at top of account page or a special 'you have been pre-approved' message?