topic Re: PenFed Quarterly Offers :) in Credit Cards

PenFed Quarterly Offers :)

credit_is_crack — Mon, 04 Feb 2019 03:17:55 GMT

Looks like my PenFed account got updated with its Quarterly offers. Seems they've decided to offer me a bit more than my usual Turbo Tax option

I currently have 2 cards with them. My legacy PenFed Platinum Rewards VS which I CLD'd to $5,000 a few months ago (I keep it becuase of it's age but rarely gets any use) and my PenFed Pathfinder Rewards Amex at $23,000. I'm thinking I'll pump this $20k offer into that and get it just above $40,000. Wouldn't be a bad move considering I wouldnt need any HP's for it.

Re: PenFed Quarterly Offers :)

Anonymous — Mon, 04 Feb 2019 04:22:56 GMT

Plenty of options! I never even get that page. All I have is the little tile on the main menu screen offering Turbo Tax and Auto Loans. ¯\_(ツ)_/¯

Re: PenFed Quarterly Offers :)

credit_is_crack — Mon, 04 Feb 2019 04:53:10 GMT

@Anonymous wrote:
Plenty of options! I never even get that page. All I have is the little tile on the main menu screen offering Turbo Tax and Auto Loans. ¯\_(ツ)_/¯

I usually get offers on the auto loans but I've learned over the last few years that when I get to the "No New Accts in 6 months" threshold, then the credit card offers pop up. I just crossed that line last month. It's a very YMMV situation but that's how they seem to respond to my profile anyway.

Old DP's stated that if you joined with a dirty file you'd never see offers, ever, but for me "never = about 2 years"

For reference my EQ09 on their site is 798, 0 new accounts < 6 months, 5 new accts < 12 months, 0 EQ inquries < 6 months

Re: PenFed Quarterly Offers :)

imaximous — Mon, 04 Feb 2019 05:04:02 GMT

It looks like I've hit a new low with Penfed. My turbotax offer used to appear only on the right side and towards the bottom. Now it's on the main banner making fun of me

Re: PenFed Quarterly Offers :)

Anonymous — Mon, 04 Feb 2019 05:22:40 GMT

Just told them close my account nfcu is better

Re: PenFed Quarterly Offers :)

Nayola — Mon, 04 Feb 2019 07:14:05 GMT

No offers for me.

Re: PenFed Quarterly Offers :)

SomewhereIn505 — Mon, 04 Feb 2019 11:52:08 GMT

Awesome TurboTax offer. That might help this tax season. 🙄

Re: PenFed Quarterly Offers :)

AverageJoesCredit — Mon, 04 Feb 2019 11:54:38 GMT

What's a PenFed?

Re: PenFed Quarterly Offers :)

DaveInAZ — Mon, 04 Feb 2019 13:34:52 GMT

@AverageJoesCredit wrote:
What's a PenFed?

I think it's a bank somewhere in Pensylvania . . . which is a hoot and a holler from Transylvania.

Their TurboTax offer is awesome, I finished filing my Fed & State tax return yesterday before the Sooperbowl, but I didn't use Penfed's great offer because TurboTax is free anyway for us po' folk with uncomplicated returns.

Re: PenFed Quarterly Offers :)

Anonymous — Mon, 04 Feb 2019 15:19:06 GMT

And I thought it was in Virgina and called Pentagon Federal Credit Union

Re: PenFed Quarterly Offers :)

Anonymous — Mon, 04 Feb 2019 15:46:58 GMT

Penfed hands out quarterly offers?!

Kidding! I got my Power Cash Rewards from one of those way back in July 2017, but I haven't seen one in my account main screen in a year and a half now...

Re: PenFed Quarterly Offers :)

Anonymous — Mon, 04 Feb 2019 18:26:26 GMT

I'm guessing I don't get them. Don't even know where to look. I moved my auto refinance to ETFCU recently when they offered me a card and lower APR

Re: PenFed Quarterly Offers :)

Rogue46 — Mon, 04 Feb 2019 20:13:28 GMT

I never get any offer love from Penfed!

Re: PenFed Quarterly Offers :)

Revelate — Mon, 04 Feb 2019 21:53:41 GMT

I never get any online offers but they sent me what appeared to be a pre-approved loan check for up to 20k last month (had to use by 1/31), under 10% APR which was interesting to me since my PLOC is higher than that even.

Was good and didn't do it heh.

Re: PenFed Quarterly Offers :)

K-in-Boston — Mon, 04 Feb 2019 23:12:41 GMT

Still nothing for me. Equifax score too low I suppose?

Re: PenFed Quarterly Offers :)

CreditCuriosity — Mon, 04 Feb 2019 23:36:59 GMT

knocking on 800's door on 09 score and notta.. I accept i will never be on their pre-qual list for whatever reason..

with that said i just paid off my CC with them that i had a balance on from a BT and got a new car that isn't through PenFed meaning penfed car loan is now paid off so just have an installment loan with them that will be going to barclay's for a 7.99 rate as well so they won't have me owing them any money anymore they might go into a panic and actually offer me something lol.. This has all happened in one month

Re: PenFed Quarterly Offers :)

imaximous — Tue, 05 Feb 2019 00:16:33 GMT

@K-in-Boston wrote:
Still nothing for me. Equifax score too low I suppose?

Doubt it has to do with your score.

mmm what type of sorcery did you use to bump all your scores like 50 points???

Re: PenFed Quarterly Offers :)

K-in-Boston — Tue, 05 Feb 2019 00:44:38 GMT

Combination of HELOC paying off most of credit card balances and a reappearing mortgage that was sold to another lender and disappeared from my reports for a few months. EQ is up about 100 in 2 months or so.

Both PenFed cards are paid off and I just have a tiny auto loan refi with them that I could pay off at any time but I am riding out for credit mix and the 2% interest really doesn’t add up to much. Honestly not much I want from PenFed with the offers but I’m a few months shy of 3 years with them at this point and it would be nice to see something. I DO want my remaining pair of $500 credit card CLIs but not enough to take a HP.

Re: PenFed Quarterly Offers :)

credit_is_crack — Tue, 05 Feb 2019 00:51:28 GMT

@imaximous wrote:
It looks like I've hit a new low with Penfed. My turbotax offer used to appear only on the right side and towards the bottom. Now it's on the main banner making fun of me

That's what mine looked like to. My first thought was "oh if they moved it up they had to make room for something else" lol that or, it's actually tax season and is more relevant there

Re: PenFed Quarterly Offers :)

credit_is_crack — Tue, 05 Feb 2019 00:52:45 GMT

@DaveInAZ wrote:
@AverageJoesCredit wrote:
What's a PenFed?
I think it's a bank somewhere in Pensylvania . . . which is a hoot and a holler from Transylvania.

Their TurboTax offer is awesome, I finished filing my Fed & State tax return yesterday before the Sooperbowl, but I didn't use Penfed's great offer because TurboTax is free anyway for us po' folk with uncomplicated returns.

It sounds like folks have soured on PenFed lol thye've been good to me. They haven't always been, but last couple of years have been an upswing