PenFed 0% / 18 months

[trumpet-205]

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@bs6054 wrote:

I notice it says: This transaction is subject to credit approval.    Is that standard on BTs?   I had assumed you that for BTs on any card you could transfer up to your BT/Cash Advance limit on the card.  Does this mean an extra level of approval is required?

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It is standard on all BT. Some degree of credit screening does take place when you ask for BT. Lender has the right to reject a BT request.

[bichonmom]

That looks like a nice offer. I may rethink joining them. Can someone remind me - they do a HP to join and the same HP for any credit apps within 30 days, right?

do they usually have a lot of hoops you have to jump through - like sending utility bills, drivers license and pay stubs? 

[trumpet-205]

Most PenFed CC application needs paystub. Not sure about HP.

[manyquestions]

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@trumpet-205 wrote:

Most PenFed CC application needs paystub. Not sure about HP.

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Usually need proof of income with Penfed.  There is a Hard Pull for joining that is used for 30 days for applications. So if you join and apply for three things you just have one hard pull.