Who is sending you mailers?

[Anonymous]

Out of curiosity what are your scores? Because once again it seems that I have slowed down in getting them once I inched over the 800 mark, feel like this happens every time. Yet the whole time I'm in the 740 zone I get them nonstop.

[Wavester64]

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@M_Smart007 wrote:

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@Wavester64 wrote:

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

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Whatcha going to do @AverageJoesCredit ? Go for it? 

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@Wavester64, You get my vote

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If PENFED realized the error of their ways from back in May when they denied me (like Langley finally realized) and gave me a mailer with a promo code,  I would definitely consider it 

[AverageJoesCredit]

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@Wavester64 wrote:

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

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Whatcha going to do @AverageJoesCredit ? Go for it? 

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Lol heck no! I have everything stacked against me right now. My pc from Navy showed up on my reports, scores fell 37 points, still unemployed,  have NINE inquiries on Eq from PF, i fico you not, its not pretty. Heck Amex called me poor , id hate to see what Penfed would  think if they saw my post Covid report🤯

On a plus, my card would be 2% wirh no hoops to jump through haha!

[M_Smart007]

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@Anonymous wrote:

Out of curiosity what are your scores? Because once again it seems that I have slowed down in getting them once I inched over the 800 mark, feel like this happens every time. Yet the whole time I'm in the 740 zone I get them nonstop.

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@Anonymous, I am not sure who that was directed towards?

It is my belief that lenders see someone with 740-790 score as being more profitable ..

So it is my guess, that is what you are seeing. I am not so sure 850 gets you more than 780/790.

I had some real good approval's when my FICO8's were 740-760 .. pre-covid-19

had ton's of Inqs and new accounts to boot.

 And it is my belief that they take your whole profile into consideration.

Probably more so in a manual review. .. this is all JMHO.

[Wavester64]

@coldfusion 

"...a standard OTA for the AAA Member Rewards Visa.."

Yeah, I got that today too.

[Anonymous]

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@AverageJoesCredit wrote:

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@Wavester64 wrote:

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

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Whatcha going to do @AverageJoesCredit ? Go for it? 

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Lol heck no! I have everything stacked against me right now. My pc from Navy showed up on my reports, scores fell 37 points, still unemployed,  have NINE inquiries on Eq from PF, i fico you not, its not pretty. Heck Amex called me poor , id hate to see what Penfed would  think if they saw my post Covid report🤯

On a plus, my card would be 2% wirh no hoops to jump through haha!

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@AverageJoesCredit  When you say your "pc from navy" showed up on your reports and dropped your score 37 points...are you talking a product change?? 

I only ask not to be nosy, but I PC'd MoreRewards to CashRewards a couple of weeks ago and hoping this isn't the case...

[M_Smart007]

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@Anonymous wrote:

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@AverageJoesCredit wrote:

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@Wavester64 wrote:

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

---

Whatcha going to do @AverageJoesCredit ? Go for it? 

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Lol heck no! I have everything stacked against me right now. My pc from Navy showed up on my reports, scores fell 37 points, still unemployed,  have NINE inquiries on Eq from PF, i fico you not, its not pretty. Heck Amex called me poor , id hate to see what Penfed would  think if they saw my post Covid report🤯

On a plus, my card would be 2% wirh no hoops to jump through haha!

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@AverageJoesCredit  When you say your "pc from navy" showed up on your reports and dropped your score 37 points...are you talking a product change?? 

I only ask not to be nosy, but I PC'd MoreRewards to CashRewards a couple of weeks ago and hoping this isn't the case...

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You will see no score drop on a NFCU PC

Trust Me on this!

[Anonymous]

@M_Smart007   Thanks for the reply 👍

[AverageJoesCredit]

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@Anonymous wrote:

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@AverageJoesCredit wrote:

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@Wavester64 wrote:

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

---

Whatcha going to do @AverageJoesCredit ? Go for it? 

---

Lol heck no! I have everything stacked against me right now. My pc from Navy showed up on my reports, scores fell 37 points, still unemployed,  have NINE inquiries on Eq from PF, i fico you not, its not pretty. Heck Amex called me poor , id hate to see what Penfed would  think if they saw my post Covid report🤯

On a plus, my card would be 2% wirh no hoops to jump through haha!

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@AverageJoesCredit  When you say your "pc from navy" showed up on your reports and dropped your score 37 points...are you talking a product change?? 

I only ask not to be nosy, but I PC'd MoreRewards to CashRewards a couple of weeks ago and hoping this isn't the case...

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oops sorry i meant BT i took to hold me over until my unemployment checks got fixed. Yeah dont worry on a pc. To be fair the score drop i saw was Vantage but weirdly they have been basically same as my ficos so i just go off them

[Mnk1]

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@AverageJoesCredit wrote:

Just got a Penfed 2% cc offer in the mail. Lolwut! Now i know the world has gone crazy

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I got the same pre-approved offer the other day from Penfed. Are their pre-approvals pretty solid?