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PFed & Citi Costco (w BK13)

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Valued Contributor

Re: PFed & Citi Costco (w BK13)


@M_Smart007 wrote:

@BJ2017 wrote:

@Saeren wrote:

@ a matter of time until you get some of those famous "Penfed Offers" Smiley LOL

What offers? OP joined dirty. PenFed is infamous for not giving those to people who join dirty for a LONG time. 


 

Oh Great - Now you Tell me, Gonna place that CC on the SD!


I would actually use the card here and there  .. then when you become clean,

you might have a little history to build on for a CLI or a 2nd card. Just my .02 cents worth.

 


That's good advice right there, at least from my personal experience. About 21 months ago I joined dirty -- a couple of old small medical collection (< $100 total). They gave me a 2k SL when Navy was giving me 20k. A couple of tries at CLI = nada nothing, 'cept maybe a sneer. Smiley LOL

 

Yet about 6 months ago they started sending me $25,000 checks in the mail -- cash & go, keep any part of the $25,000 I want. And this week I was preapproved for an auto loan up to $50,000. 

 

Penfed still hates me. I think they're doing this other stuff to bait me into donating another HP to the Penfed Cemetary for Wayward HPs. Smiley LOL And I'm probably right. 

 

But I got offers. I joined "dirty." You can get offers too. It might a short time. It might be a long time. It might be in the afterlife (do make use of the aforementioned cemetary Smiley Wink). Who knows? 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


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Message 21 of 29
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Epic Contributor

Re: PFed & Citi Costco (w BK13)

Message 22 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)

Thanks Everyone and Happy Sunday (as best as it can be indoors).

 

I hear Ya Smart007, I will make use and take them on the BT offer but that's it probs. I'll play their game for the rest of the year and then once I take long deserved shower to become Clean again we'll see.Smiley Wink

 

AJC - I am greateful and more so to all of you women/men that contibute here and helped me thus far. I've come along way from the $300 secured card (which I still have just for memorabilia, I'm senti-mental that way Smiley Very Happy). I just vent and shared my DP's along the way with a bit of humor.

Hopefully PFed can be a bit Better to some of you who plan to App.Smiley Happy

Message 23 of 29
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Senior Contributor

Re: PFed & Citi Costco (w BK13)

Congrats on your new approvals!




Message 24 of 29
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Senior Contributor

Re: PFed & Citi Costco (w BK13)

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 25 of 29
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Community Leader
Super Contributor

Re: PFed & Citi Costco (w BK13)

Congrats and keep hope alive OP!! 

I joined dirty as well. It took several years. But the offers finally did come in. Just keep using the card. Set it up on a recurring bill with autopay. And build payment history. 



My most prized tradeline.
Message 26 of 29
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Valued Member

Re: PFed & Citi Costco (w BK13)


@Gmood1 wrote:

Congrats and keep hope alive OP!! 

I joined dirty as well. It took several years. But the offers finally did come in. Just keep using the card. Set it up on a recurring bill with autopay. And build payment history. 


Thanks for the info - As long there is Hope...yeah maybe I'll throw the Disney+ on autopay.

Message 27 of 29
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Super Contributor

Re: PFed & Citi Costco (w BK13)

Congrats on Citi !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/2020 CCT EX 821 TU 826 EQ 840
A dragon lives forever but not so little boys
Painted wings and giant rings make way for other toys
One grey night it happened, Jackie Paper came no more
And puff that mighty dragon, he ceased his fearless roar

Peter, Paul and Mary
Puff The Magic Dragon Jan 1st, 1963
Message 28 of 29
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Regular Contributor

Re: PFed & Citi Costco (w BK13)

That's a great line for the costco card! Congrats on both of the approvals!




Message 29 of 29
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