It's time for a BT shuffle and out of the 9 cards I had, NO ONE had a BT offer. 😒 I'm definitely not interested in a new card, but there was no way I was going to pay 25% interest on $10K. NFCU was my hope since they don't have BT fees, but since that was a no-offer zone, I decided to look at PenFed. I saw the pre-qualify tool, put a temporary thaw on my credit reports and gave it a go for the Gold Card offer of 0% for 15 mos on a BT with a 3% fee. It said prequalified for $10K @ 17.99%, so I pulled the trigger and was approved for exactly that.
DH decided to also try and got a pre-approval for $15K @ 17.99% which turned into an approval.
It appears the pre-qualify tool is accurate. Granted, I was required to log into my account before submitting, so not sure how accurate it would be for a non-member.
Side note: The website process is either janky or there was a glitch in the middle of my app. It spun and spun without giving a decision, so I opened an incognito browser, logged into my PenFed account and saw that I had the approval before closing the window.
Double side note: I just looked as I was making this post and wouldn't you know, Chase now has an BT offer for my Sapphire. 🤦🏻♀️ I hate that 5% fee, though.
Triple side note: I just reached over $200K in available credit. Not bad for someone who never even owned a cc until 2019.
Nice catch for you and DH, congrats on both approvals!
P.S. Thanks for the DPs
@youngandcreditwrthy wrote:Love all the side notes...
@Hut1 notice how Chase Sapph is trying to get a 5% bt fee!!!!! Scammers! lol
Congrats..
Do you know what CRA they pulled?
Last time I applied for a Penfed card, I got denied witha 750 TU FICO. I think they pulled TU back then.
They actually only pulled our EQ.
Congrats on the approvals!
Congrats on your & DH's PenFed Gold approvals
Congratulations!!!!!!
