@Fated4Credit wrote:I'm wondering if I apply for Penfed membership that would @ least make the itch go away assuming its a SP.
I recently applied for membership at PenFed, partially for this reason. I got a HP though. The primary reason I wanted membership was to be ready for the forthcoming relaunch of their Pathfinder credit card. This is of course assuming that it is actually relaunched.
I'm in the middle of getting the PenFed membership. I thought SDFCU was a hassle, but wow! PenFed provides zero feedback via messaging or email. I basically wait a few days, and then call to see why nothing is happening. It's like pushing a logchain. Right now we're working on address verification. I am glad that I'm getting the membership out of the way now so when (if) the Pathfinder comes, I don't have to go through this first!
Yet I press on. I know that there is a sweet reward waiting at the other end: PenFed membership, and eventually the Pathfinder credit card!
@MrT_521 wrote:
@Fated4Credit wrote:I'm wondering if I apply for Penfed membership that would @ least make the itch go away assuming its a SP.
I recently applied for membership at PenFed, partially for this reason. I got a HP though. The primary reason I wanted membership was to be ready for the forthcoming relaunch of their Pathfinder credit card. This is of course assuming that it is actually relaunched.
I'm in the middle of getting the PenFed membership. I thought SDFCU was a hassle, but wow! PenFed provides zero feedback via messaging or email. I basically wait a few days, and then call to see why nothing is happening. It's like pushing a logchain. Right now we're working on address verification. I am glad that I'm getting the membership out of the way now so when (if) the Pathfinder comes, I don't have to go through this first!
Yet I press on. I know that there is a sweet reward waiting at the other end: PenFed membership, and eventually the Pathfinder credit card!
I don't know why everyone's experience with PenFed is so different. I joined and was apparently only approved for a savings account, no hp though. A few weeks later they sent an email and said I was approved for the checking account, I didn't even app for it. Again no hp. I'm just waiting for my scores to go up and hoping they send me some preapproved offers for a card.
Goal Scores: 700 across all three
@Anonymous
>>so why apply now when the only thing that could hurt you is age instead of just waiting until those lines get to 1 year and its not longe ran issue.
So is that the standard to go by - if you wait until your youngest accounts are aged 1-year it helps that much?
@BmoreBull wrote:I don't know why everyone's experience with PenFed is so different. I joined and was apparently only approved for a savings account, no hp though. A few weeks later they sent an email and said I was approved for the checking account, I didn't even app for it. Again no hp. I'm just waiting for my scores to go up and hoping they send me some preapproved offers for a card.
Here are a few more details on my experience: I applied for membership through the online portal, probably like everyone else here does. The approval was very quick, like within minutes. I was able to log in and view my savings account.
However, a few hours later I could no longer log in. I would get a message saying that online access was blocked. I called, and I was told that they need identity verification. The agent told me to send a copy of my driver's license (front and back) SS card, and a utility bill or something for address verification. I was told that I would be able to log in when the documents were processed. The document upload portal didn't work because I couldn't log in, so I used an efax service to fax them. I waited a day or two, and I still could not log in. I called again. I was told that they need color copies, but I sent black and white. I hadn't thought about it, but this was due to sending them via fax. He told me that I can use the upload portal by selecting the "Not yet a member?" option.
So, I resent the documents. It was actually one document, because I had put all of the photos in a PDF and sent that. Again I waited a few days, and I still could not log in. So I called again yesterday. (It is important to note that calling usually involved being on hold for 30 minutes or so until I reach a live agent.) The agent told me that the document I sent for address verification was too old. So, I found a more recent one and sent it. That was just yesterday. So now I still wait to be able to log in...
One big issue I have is that I get no feedback; no messages, no emails, nothing. Nothing happens until I call and ask what's up. To be fair, it was like this with SDFCU too. I find when working with the big credit card companies that I will get a message and/or email letting me know what is going on, or what they need from me, or anything else.
Here is the screen I get when I try to log in:
