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PenFed Gold Visa Pre-Approval

RSX
Established Contributor

Re: PenFed Gold Visa Pre-Approval

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.  

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2020 EX. 729 EQ. 723 TU 746
Feb 3/2021 EX. 739 EQ. 727 TU 750
Inq. EX 5 EQ 4 TU 5 - - CC 6x24, 2x12
Amex BCP $20k - Apple GS $17k - BMW/Elan $5k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase United Club Infinite $20k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $22k - HSBC Gold - $10.5k - Penfed Gold - $12.5k - USBank Cash+ -$20k - Wells Sig Visa $12k
Message 21 of 30
FinStar
Moderator

Re: PenFed Gold Visa Pre-Approval


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

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

Message 22 of 30
Rebuild2019
Established Contributor

Re: PenFed Gold Visa Pre-Approval

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

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 23 of 30
1GaDawg85
Valued Contributor

Re: PenFed Gold Visa Pre-Approval


@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

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






FICO 5 ,4, 2 - 2/2021

FICO 8 - 2/2021

FICO 9 - 2/2021


Message 24 of 30
Rebuild2019
Established Contributor

Re: PenFed Gold Visa Pre-Approval

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

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 25 of 30
Remedios
Moderator

Re: PenFed Gold Visa Pre-Approval

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. 

Message 26 of 30
Rebuild2019
Established Contributor

Re: PenFed Gold Visa Pre-Approval

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.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 27 of 30
mgood
Regular Contributor

Re: PenFed Gold Visa Pre-Approval

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


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 730, TU8 748, EX8 738
Goal Score: EQ8 740, TU8 740, EX8 740


Take the myFICO Fitness Challenge
Message 28 of 30
Rebuild2019
Established Contributor

Re: PenFed Gold Visa Pre-Approval

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

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 29 of 30
Remedios
Moderator

Re: PenFed Gold Visa Pre-Approval


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

Excellent!

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

Message 30 of 30
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