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  <channel>
    <title>topic Re: Penfed BT in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470209#M1804202</link>
    <description>&lt;P&gt;I got four of them!&amp;nbsp; (Two for me, two for DW!)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;All four of them are zero percent for 18 months with a 3% fee.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We'll be able to use at least two of them... possibly three!&lt;/P&gt;</description>
    <pubDate>Sat, 08 Jan 2022 08:43:15 GMT</pubDate>
    <dc:creator>tcbofade</dc:creator>
    <dc:date>2022-01-08T08:43:15Z</dc:date>
    <item>
      <title>Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469529#M1804026</link>
      <description>&lt;P&gt;I got in the mail checks from penfed. Usually they are 0% for 12 months but these are 0% for 18 months. Anyone else getting this? Of course transfer fee is 3%&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 02:03:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469529#M1804026</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2022-01-07T02:03:48Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469609#M1804042</link>
      <description>&lt;P&gt;Yes. Arrived in the mail today. Same time periods as mentioned.&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 04:53:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469609#M1804042</guid>
      <dc:creator>CreditMagic7</dc:creator>
      <dc:date>2022-01-07T04:53:01Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469717#M1804061</link>
      <description>&lt;P&gt;No checks for me though it would be appreciated&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 11:35:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469717#M1804061</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2022-01-07T11:35:05Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469887#M1804108</link>
      <description>&lt;P&gt;Hmmmmm. I'll be checking the mail today and I'll see if they sent me some. That is a nice deal!&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 18:55:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469887#M1804108</guid>
      <dc:creator>macinjosh</dc:creator>
      <dc:date>2022-01-07T18:55:52Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469895#M1804110</link>
      <description>&lt;P&gt;I had offers for 2 cards. Both were 0% for 12 months but 1.99% for 18 months. All with 3% BTF.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 19:13:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469895#M1804110</guid>
      <dc:creator>Hex</dc:creator>
      <dc:date>2022-01-07T19:13:21Z</dc:date>
    </item>
    <item>
      <title>PenFed BT Mail Offer w/ Checks</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469918#M1804120</link>
      <description>&lt;P&gt;Did anyone else get a mailer? Either 0% for 12mos via a link or 0.99% for 18mos if you snail mail it yourself.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 20:17:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469918#M1804120</guid>
      <dc:creator>username7</dc:creator>
      <dc:date>2022-01-07T20:17:35Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469991#M1804133</link>
      <description>&lt;P&gt;I also received checks for 0% 18 months with 3% fee a few days ago&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 22:10:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6469991#M1804133</guid>
      <dc:creator>DemonHusker</dc:creator>
      <dc:date>2022-01-07T22:10:13Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470035#M1804143</link>
      <description>&lt;P&gt;Yes I received same checks with offer today in mail.&amp;nbsp; 0% for 18 mos 3% BT fee.&lt;/P&gt;</description>
      <pubDate>Fri, 07 Jan 2022 23:44:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470035#M1804143</guid>
      <dc:creator>TryItAgain</dc:creator>
      <dc:date>2022-01-07T23:44:40Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470159#M1804180</link>
      <description>&lt;P&gt;Wait a minute.&lt;/P&gt;&lt;P&gt;I thought this was an Exclusive Member &amp;nbsp;Member Exclusive &amp;nbsp;offer...&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" style="width: 794px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/79139i44D63EA77EEAE1E9/image-size/large?v=v2&amp;amp;px=999" role="button" title="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" alt="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 08 Jan 2022 04:36:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470159#M1804180</guid>
      <dc:creator>NoMoreE46</dc:creator>
      <dc:date>2022-01-08T04:36:59Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470209#M1804202</link>
      <description>&lt;P&gt;I got four of them!&amp;nbsp; (Two for me, two for DW!)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;All four of them are zero percent for 18 months with a 3% fee.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We'll be able to use at least two of them... possibly three!&lt;/P&gt;</description>
      <pubDate>Sat, 08 Jan 2022 08:43:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470209#M1804202</guid>
      <dc:creator>tcbofade</dc:creator>
      <dc:date>2022-01-08T08:43:15Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470241#M1804209</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1083134"&gt;@NoMoreE46&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Wait a minute.&lt;/P&gt;&lt;P&gt;I thought this was an Exclusive Member &amp;nbsp;Member Exclusive &amp;nbsp;offer...&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" style="width: 794px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/79139i44D63EA77EEAE1E9/image-size/large?v=v2&amp;amp;px=999" role="button" title="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" alt="140F4F8A-B221-461B-A0D7-C494FB81E628.jpeg" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;That is&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;. Not every member gets physical checks nor does every member get offered 18 months.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 08 Jan 2022 11:40:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470241#M1804209</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2022-01-08T11:40:47Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470302#M1804216</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/949124"&gt;@AverageJoesCredit&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;That is&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;. Not every member gets physical checks nor does every member get offered 18 months.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Nor does every member get a "Promise"&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 08 Jan 2022 15:11:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470302#M1804216</guid>
      <dc:creator>M_Smart007</dc:creator>
      <dc:date>2022-01-08T15:11:58Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470358#M1804237</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1064950"&gt;@M_Smart007&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/949124"&gt;@AverageJoesCredit&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;That is&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;. Not every member gets physical checks nor does every member get offered 18 months.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Nor does every member get a "Promise"&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I still have my Promise card with a $5k limit.&amp;nbsp; Gonna hang on to it for as long as they let me.&lt;/P&gt;</description>
      <pubDate>Sat, 08 Jan 2022 17:21:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6470358#M1804237</guid>
      <dc:creator>Loquat</dc:creator>
      <dc:date>2022-01-08T17:21:43Z</dc:date>
    </item>
    <item>
      <title>Penfed BT offer checks!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473631#M1804900</link>
      <description>&lt;P&gt;.ods not sure if this is right forum or if needs to join another thread but i just wanted to share&amp;nbsp; a happy&amp;nbsp; moment that Penfed gave me lol.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Received my first ever BT checks from Penfed in 5 years +&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;. 0% 12 month offer , 3%&amp;nbsp; fee or 0.99% for 18 months, 3% fee. I really like the 18 month offer as i can now consolidate 3 cards in one , pay less interest , and&amp;nbsp; not have to pay their crazy high loan they preapproved me. Currently have one with them at 12.99 but they want me to pay 17.99 for a new loan so uhm no thanks.&amp;nbsp; Not too worried about ficos as im already in deep dd with Dads debt lol so whats another card with 60% + uti lol&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Who would of thunk PF would have warmed up to me after such a rocky first couple years 😆&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Jan 2022 01:58:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473631#M1804900</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2022-01-14T01:58:23Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT offer checks!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473738#M1804912</link>
      <description>&lt;P&gt;They must have read all of your posts singing their praises...&amp;nbsp;&amp;nbsp;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="smiley-laughing021.gif" style="width: 45px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/24306i771D5A034089AE31/image-size/large?v=v2&amp;amp;px=999" role="button" title="smiley-laughing021.gif" alt="smiley-laughing021.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Congrats&amp;nbsp;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/949124"&gt;@AverageJoesCredit&lt;/a&gt;&amp;nbsp;!&lt;/P&gt;</description>
      <pubDate>Fri, 14 Jan 2022 09:38:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473738#M1804912</guid>
      <dc:creator>tcbofade</dc:creator>
      <dc:date>2022-01-14T09:38:03Z</dc:date>
    </item>
    <item>
      <title>Re: Penfed BT offer checks!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473748#M1804914</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/506688"&gt;@tcbofade&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;They must have read all of your posts singing their praises...&amp;nbsp;&amp;nbsp;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="smiley-laughing021.gif" style="width: 45px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/24306i771D5A034089AE31/image-size/large?v=v2&amp;amp;px=999" role="button" title="smiley-laughing021.gif" alt="smiley-laughing021.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Congrats&amp;nbsp;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/949124"&gt;@AverageJoesCredit&lt;/a&gt;&amp;nbsp;!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Lol thanks Taco! Was gonna mention ya but i knew the whiff of BT in the air woyld draw you out lol!.😆&lt;/P&gt;</description>
      <pubDate>Fri, 14 Jan 2022 11:20:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Penfed-BT/m-p/6473748#M1804914</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2022-01-14T11:20:12Z</dc:date>
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