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Penfed Application

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Anonymous
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Penfed Application

I called Penfed regarding my credit card application, i need up address updated but it was declined, i'm out of town and need th card shipped to me but all futile. smh i hate them

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thornback
Senior Contributor

Re: Penfed Application


@Anonymous wrote:

I called Penfed regarding my credit card application, i need up address updated but it was declined, i'm out of town and need th card shipped to me but all futile. smh i hate them


So you were approved (congrats) and they're shipping the card to the address listed on your app? And you would like to change the shipping address to your current location? Is that correct?  If so, that's fairly standard security practice.  Most, if not all, lenders will only ship new/updated cards to the verified address on file as a means of theft/fraud prevention.

 

Welcome to the forums.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
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Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 3
brk1971
Frequent Contributor

Re: Penfed Application


@Anonymous wrote:

I called Penfed regarding my credit card application, i need up address updated but it was declined, i'm out of town and need th card shipped to me but all futile. smh i hate them


I'm completely confused about the following in your post @Anonymous:

1. What was declined? The address change or the application for an account?

2. Was the call futile or the application?

3. Did you need to (raise) 'up' your address or update it?

4. Did you need the card shipped to where you are (out of town) or did you mean that you wanted it shipped faster (to the account address)?

5. Why does anything involved in your relationship with PenFed rise to the level of "hate"?

 

Most of these questions are rhetorical. My core point is - without the intent of picking on you - that this board is full of people who can help and give advice and data points that can help with making credit decisions. But that needs a clear starting point, and I don't think it's clear at all what your point was.

Echoing the poster above me - welcome to the forums.

Fico8 = EQ 779, TU 802, EX 771 (6/22/2022), util = 6.5% ish
INQ in 12 mo: EQ 4, TU 4, EX 7
Cards: NFCU: Flagship VS $45k, Plat $24.3k, Plat $10.7k | Amex: Delta Reserve $50k | Citi: DC WE MC $28.8k | Discover: It $22.5k | Barclays: Juniper $15.25k | USAA: PCR VS $15k, RA $5k | UMB: SR VS $15k | PenFed: Path VS $20k, Plat Rew VS $15k | Synchrony: Lowes’s store $25k | Truist: Bright $10.5k, Bright $6.5k | Cap1: Venture1 Plat MC $10.3k, Kohls store $3k | Comenity: MyCash MC $17.5k | Wells Fargo: AC $10.3k | TD Bank: Target MC $6k (Reports as retail card despite now being MC) | BoA: CCR VS $30k | Affinity FCU: Premium VS $25k
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