Pentagon Federal Credit Union Data Share

[Anonymous]

Update - 7/13 decided to apply for the Pathfinder Rewards AMEX again after denial about 2 months ago. Already have the visg sig @ 10K (see last post). Approved instantly for $10,000 @ 16.49 APR. They used the same pull from back on 5/15 that was 719 EX. I got a risk based pricing notice in my messages today and that is how I figured that out. 

Also, got pre-approval for BBVA Compass in the mail a few days ago and was approved for $11,200 with 22.9 APR which is so much higher than the PenFed cards but oh well - that is my biggest limit now. So since May my credit limits have gone up by $30 + K (before that only had $10k in limits + auto loan). 

Post from May with other details in this thread: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Pentagon-Federal-Credit-Union-Data-Share/m...

[Anonymous]

First apped for the Penfed Platinum Rewards: denied. Recon call said the LO said would go for lower amount but not 5K. Subsequent app 2 days later approved for 2K with details below:

EQ 08 Fico: 728
Penfed Nextgen: 715

Instant or Review?: review (recon call & then survey call)

POI?(If yes, what type of proof of income) no. they asked, I balked, hence the survey call.

AAOA: 5 
Derogs?: (If you have a BK please list type and discharge date!) no BK; two  < $50 medical COs from 5+ yrs ago; 1 30 day from 3 yrs ago

Util: 48%

Total EQ Inquiries: 3

                Last 12 months: 1

                Last 6 months: 1
New Accounts in last 12 months: 5
                                 Last 6 months: 4

[Anonymous]

I just got an email from Penfed for a 12mo 0% BT offer if anyone is interested. 

[masscredit]

I received that offer too. I don't see an expiration date. 

[Anonymous]

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@masscredit wrote:

I received that offer too. I don't see an expiration date. 

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BT's before 9/30

[Anonymous]

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@Anonymous wrote:

I just got an email from Penfed for a 12mo 0% BT offer if anyone is interested. 

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How much are you asking?

[Anonymous]

I also received the 0% BT offer in my overnight email. This is actually very well-timed since I've been planning to do some BT's over the next month or so to consolidate my bills.

[Loquat]

I've been with PenFed for several years now.  They ALWAYS have a 0% 12month 3% fee BT offer.  Even when not solicited.  If ever you're needing one and haven't received email marketing about it, just call up and ask.  Exclusion I believe is the PenFed Promise as it has it's own lot BT percent and fees. 

[jlitnns]

I can see the option to do a BT with a 3% fee but it doesn't state the APR anywhere...