been a long time lurker on this forum and its been great help. So yesterday I decided to refinance my car loan with penfed. Joined NLSD and applied online for membership and auto loan. Approved @2.99 for 84 months but was asked to call in for Id verification. During the call asked for any other eligible offers, applied penfed cash rewards and ploc both were approved for 10k and 20k respectively. Logged online and applied for penfed Amex got approval for 5k. High on the success applied for discover it and got 5.5k. Couldn't be happier.