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?
Step away from the button.
I see the card taunting me in your signature. Mixed messages?
Seriously though, Penfed is a great card to have. Any of them. What's your EQ score?
I've seen scores fluctuating... DCU has reported 717 to 724 over the last few months, Suntrust reported 750-753, including a "serious delinquency" that was finally removed in the second half of April.
PenFed sucks. You should shred the mailer.
Great advice... Which mailer should I shred? I have more than one.