If you post something as fact and it isn't you usually will see a contraditory post soon after. Nothing personal. Penfed preapprovals have been discussed numerous times. Any time anybody mistakingly posts they are a sure thing I will post with my experiences. Nobody is trying to rain on anybodys parade. I need another credit card about as much as I need a hole in my pocket. Listening to people say Penfed preapprovals are a sure thing added a TU inquiry to my report for a short period of time. I wish somebody had given me the facts back then so I am giving them now. Sorry your ego was bruised.