topic Re: Got my PenFed card today! in Credit Cards

Got my PenFed card today!

pattycake — Sun, 02 Aug 2009 00:05:10 GMT

It took nine calendar days.

Time to break it in for that 5% cash back promotion!!!

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 00:13:15 GMT

Super Congrats! Have fun!

A little humor: In my household it's 95% ON, not 5% off

Just to keep perspective for DW, who has a terrible time passing up a good sale, bargain or discount

Message Edited by txjohn on 08-01-2009 05:13 PM

Re: Got my PenFed card today!

pattycake — Sun, 02 Aug 2009 00:18:23 GMT

@Anonymous wrote:
Super Congrats! Have fun!

A little humor: In my household it's 95% ON, not 5% off

Just to keep perspective for DW, who has a terrible time passing up a good sale, bargain or discount

Message Edited by txjohn on 08-01-2009 05:13 PM

Yeah - I hear you. It's vacation card for gas and other emergencies.

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 01:12:36 GMT

Many congrats on the card.

I must admit, I'm a little jealous since I can't get that card

Oh well, I'll just have to stick it out with NFCU

Re: Got my PenFed card today!

Kay_Cee — Sun, 02 Aug 2009 01:19:25 GMT

Congrats! I used my newly acquired PenFed CU card for the first time today, also!

Re: Got my PenFed card today!

FocusOnFICO — Sun, 02 Aug 2009 02:04:58 GMT

Congratulations Pattycake! I've enjoyed using my for the past 2 months or so. I haven't spent a lot on it, but have already gotten back over $10. You'll really like the card!

Re: Got my PenFed card today!

pattycake — Sun, 02 Aug 2009 02:31:47 GMT

Oooh - I like the $10 thing. I'm planning to use it for groceries and other things, and I told my son that if he needs to buy a laptop for school, to let me know so I can use my PenFed card for it to get the cash back.

This is going to be fun.

Re: Got my PenFed card today!

pattycake — Sun, 02 Aug 2009 02:33:53 GMT

@Anonymous wrote:
Many congrats on the card.
I must admit, I'm a little jealous since I can't get that card
Oh well, I'll just have to stick it out with NFCU

lessons - your FICOs are nothing to sneeze at..maybe in a few months you'll be able to get one, too! I can't qualify for NFCU, and I'd really like to. So it all works out!

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 03:47:48 GMT

Use it in good health, pattycake! That is my prime card!

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 03:49:40 GMT

@Anonymous wrote:
Super Congrats! Have fun!

A little humor: In my household it's 95% ON, not 5% off

Just to keep perspective for DW, who has a terrible time passing up a good sale, bargain or discount

Does DW know about all the wonderful shopping you can do online with ShopDiscover? You could "save" the gas as well then.

Re: Got my PenFed card today!

fused — Sun, 02 Aug 2009 04:00:56 GMT

Congrats! I love cash back cards. For me, I like getting 5% cash back on beer. HA HA!

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 14:03:27 GMT

@Anonymous wrote:
@Anonymous wrote:
Super Congrats! Have fun!

A little humor: In my household it's 95% ON, not 5% off

Just to keep perspective for DW, who has a terrible time passing up a good sale, bargain or discount
Does DW know about all the wonderful shopping you can do online with ShopDiscover? You could "save" the gas as well then.

Oh, DW knows how to shop all super sales. Her "gambling" or game is learning how to shop with matching ads combined with coupons.

She never shops online unless she can get discounts through the CC's PLUS she almost always can google up an online coupon code.

The problem is that she is SO GOOD at finding sales, there is ALWAYS something that is a great buy. LOL. I love that little lady!

But my position is: "It's not a good buy if you don't actually need it. Good buy alone is not the reason to buy."

Therefore we have the agreement, we must state all purchases in the form of HOW MUCH ON it is, not how much off. LOL. It's my attempt at a little reverse psychology and perspective check.

Even so, there are certain treasures she comes across that she just can't resist. LOL.

Re: Got my PenFed card today!

smallfry — Sun, 02 Aug 2009 14:21:14 GMT

Looks like your lady has mastered the art of making you think it was your idea in the first place.

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 15:00:19 GMT

No, not really. She just knows that in the end, I have a real hard time saying no to her

She is good a saving money. She just loves a sale or great buy, especially when she can combine various things like CC rewards, with sale, with coupon or matching ad, etc.

One time several years ago, she went into a local IGA grocery store (not many of those left). They offered double and triple value on coupons.

She purchased over $200 in groceries. She purchased sale items combined with coupons (having the double/triple values). When the final tally came up, they REFUNDED to her $17 in cash.

She walked out with over $200 in groceries plus $17 cash.....paid NOTHING! I couldn't believe it.

Now, when she got home, we donated about 70% of the food to the local food bank because they were items we don't use or I don't allow (junk categories).

She would find an item that was marked down, for example, to 99 cents. She would have a 50 cent coupon which got triple value. This meant the product cost nothing and she got 51 cents credit toward the rest of her purchase.

I won't shop with her, bless her heart. I just don't have the patience to do all that. But she sure thinks its a hoot!

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 18:31:01 GMT

How you guys getting 5% back off things such as laptops and lcds?

The penfed card

Earn 2% cash back on supermarket purchases*
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.25% cash back from all purchases** you make with the card during each billing cycle

What am I missing?

Re: Got my PenFed card today!

haulingthescoreup — Sun, 02 Aug 2009 18:32:19 GMT

hobojon posted about this:

PenFed back to school promotion

Re: Got my PenFed card today!

Anonymous — Sun, 02 Aug 2009 18:54:13 GMT

@Anonymous wrote:
How you guys getting 5% back off things such as laptops and lcds?

The penfed card

Earn 2% cash back on supermarket purchases*
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.25% cash back from all purchases** you make with the card during each billing cycle
What am I missing?

If you have the card (possibly even if just a member) you received an email regarding the back to school promo as well.

Re: Got my PenFed card today!

score_building — Sun, 02 Aug 2009 23:47:29 GMT

@Anonymous wrote:
@Anonymous wrote:
How you guys getting 5% back off things such as laptops and lcds?

The penfed card

Earn 2% cash back on supermarket purchases*
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.25% cash back from all purchases** you make with the card during each billing cycle
What am I missing?
If you have the card (possibly even if just a member) you received an email regarding the back to school promo as well.

yes, at first i thought, pretty cruel- they're mocking me (haven't been approved for products) but i guess they send the loan promo info to members without products as well.

congrats once again to OP!

Message Edited by score_building on 08-02-2009 04:47 PM

Re: Got my PenFed card today!

Lyythine — Mon, 03 Aug 2009 12:35:17 GMT

txjohn,

your wife sounds like my mother before she went back to work... She was off the entire time my sister and I were growing up and would sit at home for hours going through local ads and coupons to get the best deal - then go shopping, which included at least 3 different grocery stores so she could buy certain products at the certain stores she knew to offer them at the lowest price. My sister and I got to the point where we wouldnt go with her due to her shelling out 20+ coupons at the register...

Thank God she went back to work, even if part time after we both went to college - i can only imagine the damage she could have done if left to her own devices...

P.S. I forgot to add that she had a filing cabinet where she categorized coupons depending on their category... CRAZY, CRAZY woman - but I love her none-the-less...

Re: Got my PenFed card today!

pattycake — Mon, 03 Aug 2009 13:34:50 GMT

@score_building wrote:
@Anonymous wrote:
@Anonymous wrote:
How you guys getting 5% back off things such as laptops and lcds?

The penfed card

Earn 2% cash back on supermarket purchases*
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.25% cash back from all purchases** you make with the card during each billing cycle
What am I missing?
If you have the card (possibly even if just a member) you received an email regarding the back to school promo as well.
yes, at first i thought, pretty cruel- they're mocking me (haven't been approved for products) but i guess they send the loan promo info to members without products as well.

congrats once again to OP!
Message Edited by score_building on 08-02-2009 04:47 PM

Thank you - in time you will qualify, I just know it!!! I have to thank the good folks here at this forum, including creditwherecreditisdue, who egged me on.