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Pentagon Federal Credit Union Data Share

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 5571 of 5,627
Community Leader
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: 720/721/719 TU/EX/EQ
Message 5572 of 5,627
Senior 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 5,627
Community Leader
Senior Contributor

Re: Pentagon Federal Credit Union Data Share

@AdkinsYep, exactly that one.

 

And I thought I was special . . . Smiley Sad


Fico 08: 720/721/719 TU/EX/EQ
Message 5574 of 5,627
Senior 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 5,627
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.





Message 5576 of 5,627
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.
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 5577 of 5,627
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 5,627
Senior 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 5,627
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.
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 5580 of 5,627