Penfed Denial/Other Recommendations

[sxa001]

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@Anonymous wrote:

And yes @sxa001 I have a Bucees literally 2 minutes from my house. Guess that going to be my next card after all lol

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My only complaint about Buc-ee's fuel is that I don't believe it is Top Tier, I don't know how much that really matters, and I used to get gas a lot at HEB which is also not Top Tier but I have been pretty much using Top Tier the last couple of years so I don't really stop at Buc-ee's for gas when I pass one, I do stop if I need to get some exercise. 

[Anonymous]

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@sxa001 wrote:

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@Anonymous wrote:

And yes @sxa001 I have a Bucees literally 2 minutes from my house. Guess that going to be my next card after all lol

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My only complaint about Buc-ee's fuel is that I don't believe it is Top Tier, I don't know how much that really matters, and I used to get gas a lot at HEB which is also not Top Tier but I have been pretty much using Top Tier the last couple of years so I don't really stop at Buc-ee's for gas when I pass one, I do stop if I need to get some exercise. 

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Yea I agree. Not top tier at all. I used to be a Shell or Valero guy myself, especially because I would use the Get Upside app to get money back for getting gas at certain ones but then I moved within 2 minutes of a Bucees & it just makes more sense to stop there for everything unless its beer. This Bucees only carries Modelo in cans so I go to the little mom & pops gas station around the corner for that. 

[Anonymous]

I ended up taking some of yalls advice & ended up applying for the bucees card. It went to manual review then I got an email that I was pre-approved for 10k @ 10.99% interest. They said to reply back to their email if it was acceptable to me so I did. Now they sent some paperwork I have to initial, sign & send back. So does that mean Im approved now or its still going to be up in the air even after sending paperwork?? Dont want to get my hopes up too early lol 

[cashorcharge]

Congrats @Anonymous !!  Glad it worked out 

When they ask you to sign, yes even though it's old school....it's usually a done deal. I have not seen it go otherwise. 

[M_Smart007]

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@Anonymous wrote:

I ended up taking some of yalls advice & ended up applying for the bucees card. It went to manual review then I got an email that I was pre-approved for 10k @ 10.99% interest. They said to reply back to their email if it was acceptable to me so I did. Now they sent some paperwork I have to initial, sign & send back. So does that mean Im approved now or its still going to be up in the air even after sending paperwork?? Dont want to get my hopes up too early lol 

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Congratulations on your Approval..     

@AllZero, might want to take notice!

[AllZero]

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@Anonymous wrote:

I ended up taking some of yalls advice & ended up applying for the bucees card. It went to manual review then I got an email that I was pre-approved for 10k @ 10.99% interest. They said to reply back to their email if it was acceptable to me so I did. Now they sent some paperwork I have to initial, sign & send back. So does that mean Im approved now or its still going to be up in the air even after sending paperwork?? Dont want to get my hopes up too early lol 

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Congratulations on your approval!

[AllZero]

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@M_Smart007 wrote:

@AllZero, might want to take notice!

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@M_Smart007  Duly noted!

[Anonymous]

Not to highjack the thread, but which score version does Penfed use for their CC apps (I understand they use EQ)? FICO 8? 9? Bankcard8?

[cashorcharge]

I believe its FICO 9 @Anonymous and Yes, it is definitely EQ.

Check out this thread with lots of info on PenFed 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Pentagon-Federal-Credit-Union-Data-Share/td-p/4591561

[Anonymous]

Thanks everyone & @Anonymous it is EQ Fico 9. Also, I received another email from Penfed today telling me if I wanted them to consider me for any their Gold Visa it may result in another hard pull. I was under the impression the hard pull they did for the card they denied me for was good for them to use for 30 days for consideration of other cards.