A few years ago I joined PenFed hoping to refinance my car loan, and they promptly denied the application, citing the negative information on my credit report.
The negative information is gone, no derogatory accounts, and I'm being solicited repeatedly for their Visa that earns points for pay at the pump, and grocery stores.
I have several new accounts, and am not sure what my Nextgen score is since it seems you don't get it unless you already have a credit card. I do my checking between Santander and USAA, not PenFed.
13 inquiries on EQ, 6 of which are in the last year.
I find myself thinking that I don't really need the card, but tempted by the allure of the issuer that previously turned me away. (the $100 isn't horrible either)
Other CC Wish List:
Citi AT&T Card
Sams Business MC (have personal MC that earns 5% on gas)
another Cap One Spark Business
maybe something from US Bank
I have the mailer asking me to apply, but it doesn't have a firm APR. Can someone talk me away from the Apply Button?
I was going to garden... Honest!
