cancel
Showing results for 
Search instead for 
Did you mean: 

Pentagon Federal Credit Union Data Share

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Community Leader
Super Contributor

Re: Pentagon Federal Credit Union Data Share

CongratsSmiley Happy Penfed liked the fact uou didnt have alot of credit.Seems they like to be your main nowadaysSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5571 of 5,653
Senior Contributor

Re: Pentagon Federal Credit Union Data Share

Hmm, I had something strange from Penfed, a personalized snail mailer encouraging me to app for the Penfed Gold Visa. I reads: "Dear (My Real Name) as a valued Penfed member we have a special offer just for you. The Penfed Gold Visa has our lowest rate APR....." It touts and standard bennies on the card - $100 SUB for $1500 spend, 0% for 12 months, etc. No pre-qual code, so probably just marketing, but the first time I ever got a mailer from Penfed encouraging me to app for a specific product. I've been a member since May 2017 and have never got a quarterly pre-qual offer.

I'm inclined to pass. They approved me for a PCR when I joined but only with a low $1200 CL. When I was approved for the PayPal 2% Cashback card with $7k SL (now $10k auto clis) I closed PCR and Access checking and just kept Share savings, but I do have a nice HELOC with them.


Fico 08: 734/716/734 TU/EX/EQ
Message 5572 of 5,653
Super Contributor

Re: Pentagon Federal Credit Union Data Share


@DaveInAZ wrote:

Hmm, I had something strange from Penfed, a personalized snail mailer encouraging me to app for the Penfed Gold Visa. I reads: "Dear (My Real Name) as a valued Penfed member we have a special offer just for you. The Penfed Gold Visa has our lowest rate APR....." It touts and standard bennies on the card - $100 SUB for $1500 spend, 0% for 12 months, etc. No pre-qual code, so probably just marketing, but the first time I ever got a mailer from Penfed encouraging me to app for a specific product. I've been a member since May 2017 and have never got a quarterly pre-qual offer.

I'm inclined to pass. They approved me for a PCR when I joined but only with a low $1200 CL. When I was approved for the PayPal 2% Cashback card with $7k SL (now $10k auto clis) I closed PCR and Access checking and just kept Share savings, but I do have a nice HELOC with them.


Like this one? I was checking to see if was just pure marketing or not. I haven't tried for a card since my denial last year, I think in March. 

Webp.net-resizeimage (2).pngHmmmm .... really?






Message 5573 of 5,653
Senior Contributor

Re: Pentagon Federal Credit Union Data Share

@AdkinsYep, exactly that one.

 

And I thought I was special . . . Smiley Sad


Fico 08: 734/716/734 TU/EX/EQ
Message 5574 of 5,653
Super Contributor

Re: Pentagon Federal Credit Union Data Share


@DaveInAZ wrote:

@AdkinsYep, exactly that one.

 

And I thought I was special . . . Smiley Sad


Me, too. 👎👎






Message 5575 of 5,653
Valued Member

Re: Pentagon Federal Credit Union Data Share

I originally posted this as a separate thread, not having seen this one.
 
PenFed PowerITA offer letter

I'm mid ch7 bk, discharge in 16days and counting. But I was sent a CC offer from PenFed and I wasn't sure if it was a pre-qualified type letter, or if it was just a form promo letter they send to all members. I really want to apply by the deadline, March 31, which will be post discharge, but I didn't want to waste my time or a hard pull if it wasn't going to be worth it. My current credit scores are

EQ654FICO9TU587FICO9EX596
EQ659AUTOTU582AUTOEX574

. We'll see what improves, if anything, once discharge happens.


Feb 4 FICO 8 Scores

Apr 4 FICO 8 Scores










Message 5576 of 5,653
Community Leader
Super Contributor

Re: Pentagon Federal Credit Union Data Share

They arent Navy, i highly doubt you would be approved for any cc with your current scores. Sorry.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5577 of 5,653
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

Asking for someone what’s is chance Of approval for card ?
is average age is a year and half now and he has three credit cards Amazon for year and discover which is almost a year with $1000 credit line and another card Walmart and a AU card that’s 3 years old 10k
Score is 719 Fico
Message 5578 of 5,653
Super Contributor

Re: Pentagon Federal Credit Union Data Share


@kugel wrote:
Asking for someone what’s is chance Of approval for card ?
is average age is a year and half now and he has three credit cards Amazon for year and discover which is almost a year with $1000 credit line and another card Walmart and a AU card that’s 3 years old 10k
Score is 719 Fico

Score seems less important versus DTI ratio. 






Message 5579 of 5,653
Community Leader
Super Contributor

Re: Pentagon Federal Credit Union Data Share

Also Kugel, PF seems to like someone with not alot of credit so might take a chance. Its only a hp. Never know, they might surpass all expectations.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5580 of 5,653
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.