Yes. I joined them 2 months ago. I tried to get a cc from them and was approved online only to see a turned down status a few hours later because of one negative mark on my credit report from 6.5 years ago. I sent two years of tax returns, copies of brokerage accts, still "turned down." They don't have their acct together. I had to order checks 2 different times because they lost the PAPER order form. It took 5 weeks to get my checks. Then I'm told they don't have a signature card on file despite it being at the bottom of the check order forms. Still have a warning in my acct that they've still not received my signature card... I give up with those people. Very unorganized.
$30,500
$18,500
NPSL
$15,000
$10,000
$25,000
$32,000
@dodgerslv wrote:
@dodgeball wrote:
@dodgerslv wrote:
@09Lexie wrote:
Ninety days.thanks will not try till until after 2 full months.
Whats the diffrence if you apply now or in two months they are still going to go off the same pull? Does not make sense really
Im actually going to wait at least 6 months or wait till my chargeoffs fall off next year so i can have a clean report....LOL. Dont want anymore new accounts.
Well since you already have a hardpull, I would app anyway, even if you are denied you will see where you are on there scoring model which is quite diffrent than MyFicos
NFCU FAN CLUB FAN#1
@RSCo wrote:
Yes. I joined them 2 months ago. I tried to get a cc from them and was approved online only to see a turned down status a few hours later because of one negative mark on my credit report from 6.5 years ago. I sent two years of tax returns, copies of brokerage accts, still "turned down." They don't have their acct together. I had to order checks 2 different times because they lost the PAPER order form. It took 5 weeks to get my checks. Then I'm told they don't have a signature card on file despite it being at the bottom of the check order forms. Still have a warning in my acct that they've still not received my signature card... I give up with those people. Very unorganized.
I agree with you overall Penfed is not a user freindly credit union. They have great products if you qulify but there qualifications are for perfect credit only and there customer service has something left to be desired.
@dodgerslv wrote:
@dodgeball wrote:
@dodgerslv wrote:
@dodgeball wrote:
@dodgerslv wrote:
@09Lexie wrote:
Ninety days.thanks will not try till until after 2 full months.
Whats the diffrence if you apply now or in two months they are still going to go off the same pull? Does not make sense really
Im actually going to wait at least 6 months or wait till my chargeoffs fall off next year so i can have a clean report....LOL. Dont want anymore new accounts.
Well since you already have a hardpull, I would app anyway, even if you are denied you will see where you are on there scoring model which is quite diffrent than MyFicos
you do have a point dodge, but if i do get approved i dont want anymore credit cards...lol. I got approved for a BofA , 2 AMEX (backdated to 2011). Citi, and now WF, all in a period of a month. Afraid of AMEX doing a FR. They already saw my new BofA card reporting on my EX report but havent seen Citi or WF. Plus i ended up having a total of 2 inq on TU, 4 EX and 3 EQ now so no more new accounts and definitely no more INQUIRIES!
I have to correct something DodgerSLV. I confused you with DodgeBALL. Hence the kidding about getting a 15k 5% Cash Back on gas PenFed Platinum within 72 days... (due to DB's well.... "balls" with NFCU LOL).
Seriously though. Watch for a gold box on your account page with a pre-approval offer stated. Then you might want to consider going on the same pull they used for membership. Sometimes they are fairly generous. And it's likely (unless things have changed there a LOT) that it won't take another HP if you go for it within 90 days. Just a heads up. Actually, you might want to ask PenFed, but IIRC, even if you were to apply for 2 CCs and a Car loan, they'd still use the same pull within 90 days.
