PenFed Gold Visa Pre-Approval

[RSX]

Your scores are very good and shows your rebuilding has been successful - congrats!

with the card line up you already have, you shouldn't give in to the lure of 'hey they want me'

you have already succeeded.  So if you need a BT card, go for it

but if you don't, just enjoy the preapproval and let it lie.  It should make you feel good

maybe drop the OpenSky and Overstock cards, as it seems you have easily made it past them.  

[FinStar]

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@Rebuild2019 wrote:
Ok. So I need to read in Personal Finance. Thanks @FinStar

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Sure, anytime @Rebuild2019 - below is the thread for additional reference:

https://ficoforums.myfico.com/t5/Personal-Finance/Penfed-Membership-No-hard-pull/td-p/5983332

[Rebuild2019]

Thanks @RSX. Your words mean a lot. I am happy with my rebuild. You are right I should let OpenSky go. I keep saying I am going to and don’t. It did serve it’s purpose and I had zero issues with them. Overstock I have been using as padding, but I should think about letting them go too. I think I enjoyed getting my first big pre-approval from PenFed. Thanks

[1GaDawg85]

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@Rebuild2019 wrote:
Thanks @RSX. Your words mean a lot. I am happy with my rebuild. You are right I should let OpenSky go. I keep saying I am going to and don’t. It did serve it’s purpose and I had zero issues with them. Overstock I have been using as padding, but I should think about letting them go too. I think I enjoyed getting my first big pre-approval from PenFed. Thanks

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let those sub prime cards go and move on to the big time! Your rebuild is in a great place

[Rebuild2019]

Thanks @1GaDawg85. This is why I love this forum!

[Remedios]

I joined Penfed last summer while trying to decide on auto loan. It was SP. 

I ended up not going with Penfed, and I haven't logged in since 😐

Close Open Sky, it did what it was supposed to do. You have no use for it, and they have your money. 

[Rebuild2019]

Thanks @Remedios I will close OpenSky tomorrow. I am happy with where I am right now. Not sure what I will do with the PenFed. I think I have until March to decide.

[mgood]

It won't be more than 17.99% APR because that is the highest interest they offer.

[Rebuild2019]

@Remedios I closed OpenSky and removed them from my signature. Thanks for giving me that little push I needed 🙂

[Remedios]

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@Rebuild2019 wrote:
@RemediosI closed OpenSky and removed them from my signature. Thanks for giving me that little push I needed 🙂

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Excellent!

Onto better things now. Congrats on your rebuild so far!