Is this an official Penfed offer?

[iamdetermined]

I may call to be sure. Thanks CramEiko!

[iamdetermined]

The single apr is why I feel it may be solid too. I'm not a member....yet lol. I may be by night's end... Thx CreditCuriosity!

[iamdetermined]

Play nice AJC!

[iamdetermined]

I'm just getting on their radar. You have me beat

[iamdetermined]

They're fishing for new business it seems, at least in my case. I'm debating if I should take the bait. Thanks Loquat for the reply!

[iamdetermined]

Ok, thanks SouthJamaica!

[Anonymous]

Hey iamdetermined that’s cool . I would agree with creditcuriosity I would call them and apply( I’ve always thought a pre approval is a pre approval as long as your credit is the same since they sent you this offer ) . I had almost the same scores when I applied I would go for it !

[iamdetermined]

Ok great, thank you CivalV!
I was hoping someone would reply that received the same/similar letter. Did he apply for the card, and was he approved?

I'm thinking about joining now that they came searching for me haha!

My scores are high 600-low 700's across the board due to some expenses/utilization is around 18%, and income is sufficient.

[iamdetermined]

Thank you Valentinesdayhomedream! I agree that it seems solid. I'm going to scour the Penfed group on here, keep you all posted on my decision & outcome

[iamdetermined]

Forgot to mention, I did apply and receive 2 new credit cards - one in December, the other one in January.

The mail offer from Penfed was received about a week ago ago, AFTER both new accounts reported to the bureaus.

Should I wait until closer to the offer deadline date (4/2019), as the accounts age some, or if I go for it now will it make a difference?