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PenFed Offers - Clarification

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Five6Two
Frequent Contributor

PenFed Offers - Clarification

Hi friends, been in the garden trying not to get in trouble Smiley Happy

Wondering if someone can provide some clarity regarding the offers attached...first page seems clear, second page seems like I am limited to just those options and then when I select all offers it shows more options. Any thoughts?

 

Your Offers.pngCredit Card Offers.pngAuto Loan Offers.pngView All Offers.png

Siggy under construction Smiley Happy
Message 1 of 14
13 REPLIES 13
AverageJoesCredit
Legendary Contributor

Re: PenFed Offers - Clarification

The laat offers are what everyone here cravesSmiley Wink. Those are usually solid and sp offers. Smiley Happy

Message 2 of 14
credit_is_crack
Valued Contributor

Re: PenFed Offers - Clarification

@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers. 

 

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

 

There might be a wonky glitch in yours or something

 

Screen Shot 2020-12-29 at 8.27.50 PM.pngScreen Shot 2020-12-29 at 8.28.36 PM.png

Message 3 of 14
Five6Two
Frequent Contributor

Re: PenFed Offers - Clarification

Hey @credit_is_crack thanks for replying! The credit card offers page is actually directly from the home page. But when I click "all offers" I get the other option, higher limits on cc and auto loan offers. Pretty wonky - I just don't want to go through process and get hit with an hp or even a new card with such a low limit. 

Siggy under construction Smiley Happy
Message 4 of 14
coldfusion
Credit Mentor

Re: PenFed Offers - Clarification



You won't take a HP if you select a credit card offer.

 

If your mindset is that you would accept a $9400 offer but not a $3200 offer I would go ahead and call them for clarification and then jot down the time and name of the person you spoke with.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 14
coldfusion
Credit Mentor

Re: PenFed Offers - Clarification


@credit_is_crack wrote:

@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers. 

 

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

 

There might be a wonky glitch in yours or something

 

Screen Shot 2020-12-29 at 8.27.50 PM.pngScreen Shot 2020-12-29 at 8.28.36 PM.png


You'll be an interesting data point because of the headaches from earlier this year when PenFed imposed the $25K CL limits and then subsequently made offers which were accepted when the end state of the card would be a CL exceeding $25K. I hope they've since smoothed out the kinks.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 14
AverageJoesCredit
Legendary Contributor

Re: PenFed Offers - Clarification

At least you can have this discussionSmiley Wink. Ive only ever seen Turbo Tax and auto loan banner.In 4+ years. You get to actually play with colorSmiley Wink

Message 7 of 14
CreditCuriosity
Moderator Emeritus

Re: PenFed Offers - Clarification


@coldfusion wrote:

@credit_is_crack wrote:

@Five6Two something looks funky. On your initial tab it says $9,400 for any of the three cards, but then when you selected them the amounts only show $3,200? Same with your auto loan offers. 

 

I just checked mine and I see 2 cards and 2 auto. I currently have a plat rewards at $5k and pathfinder at $43.9k, giving me a grand total of $48.9k. It shows I can get one of the two cards for $1,100 which would put me at their $50k cap, but when I select it all I see is the one i selected and a "change offer amount" box. I'm assuming they're giving me the option to make it an even number, up to the $1,100 offered

 

There might be a wonky glitch in yours or something

 

Screen Shot 2020-12-29 at 8.27.50 PM.pngScreen Shot 2020-12-29 at 8.28.36 PM.png


You'll be an interesting data point because of the headaches from earlier this year when PenFed imposed the $25K CL limits and then subsequently made offers which were accepted when the end state of the card would be a CL exceeding $25K. I hope they've since smoothed out the kinks.


shouldnt be an issue if grandfathered account.  might need to kick possibly a bit, but will get it imho.

Message 8 of 14
KJinNC
Valued Contributor

Re: PenFed Offers - Clarification

I'm having problems logging into PenFed right now on my computer. Nothing happens when I click the Login button.

On my phone, I was able to log in, and I see the usual two offers, plus a PenFed Gold card promotion of some sort. I don't know if it's technically an offer, or just marketing. When I click on it, it shows details about the card including APR range (not a specific APR), but also, I notice that I'm logged out when that page comes up, so there's no way the information could be targeted to me anyway. I guess today's not my day for anything PenFed-related.

Message 9 of 14
Wavester64
Valued Contributor

Re: PenFed Offers - Clarification

Thank God I still have that TURBO TAX offer sitting there! Smiley LOLSmiley LOL






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