I applied for the PenFed AMEX in early October and denied. Applied for the Visa Rewards late October and denied, approved on recon (had to send a recon letter).
This morning, I got the approval emails and my card shows in my account, the card is an AMEX and I applied for the Visa.
Does PenFed defaults to the very first application? I don't want the AMEX as it is not accepted everywhere.
Congrats I would take the Amex !! Lol
I had the Travel Rewards Amex from PenFed, and unless you travel a lot that card is pretty worthless in my opinion.
Just got off the phone with PenFed. They want to pull another CR for the Visa. This is bs! Th I do have the recon letter stating the Visa not the AMEX.
Will call back and talk to a supervisor next, had to get back to the office. The AMEX is worthless to me as I don't travel much.
Well, no luck after speaking with another rep and the loan supervisor. They keep insisting that there was never an app for the Visa, only the AMEX. The lady said she needs my approval for a HP to apply for the Visa... "absolutely not!" I guess the recon letter stating that I wanted the Visa clearly didn't help....it says on there people! Visa not AMEX.
This really sucks! That's why I downgraded my AMEX Platinum, because I don't travel as much, the PRG Gold is best for me for gas/groceries/restaurants (2x) and that is why I applied for the PenFed Visa, to get 5x on gas.
This card is only going to help me on the debt to credit ratio with the $10k CL I was given, that's it. Going to use it twice a month just because.
I remember reading a comment here about someone who requested a CLI on their PenFed card, and to their surprise, the system generated another card with a $15k CL (I think) rather than adding it to the existing card he requested the CLI to. I think he ended up keeping both rather than getting them to merge...obviously a glitch on my application as well.
😡 No 5x/$1 on gas for me.