cancel
Showing results for 
Search instead for 
Did you mean: 

PenFed 1Q Pre Approvals

tag
Anonymous
Not applicable

Re: PenFed 1Q Pre Approvals

I have had a auto loan and their Platinum Visa card now for just over 6 months.  When I open the Platinum card they gave me a $5K Cl on the card I felt that it was low but was happy that I was able to do a used auto loan and the credit card on the same HP.  When I saw the thread going this morning I couldn't wait to log in to see what offers I might have.

 

What a shock I got when I saw them, it seemed that I probably had a offer for everyone of their products.  I took the CLI on my Platinum card of $45K bring my new limit to $50K.  I am very happy with this increase.

 

My FICO 9 score with them is 797.

Message 41 of 79
DCnDC
Contributor

Re: PenFed 1Q Pre Approvals

WOW, very nice, @startingover1!! Has your online account updated with the new limit? My score updated to 831 and I took my credit card to $35,400 today with my first “real” offers (aside from the loan ones) but it hasn’t actually updated in my account. I’m impatient so hoping it’s just the holiday and I can see it tomorrow, ha!
FICO 8 (as of 8/23/2019) | EX: 823 | TU: 824 | EQ: 831
Inquiries (Total) | EX: 1 | TU: 1 | EQ: 1
Inquiries (Less than 1 year) | EX: 0 | TU: 0 | EQ: 0

Bank Americard Mastercard $90,000 | PenFed Promise Visa $39,000 | Citi Simplicity Mastercard $26,500 | NFCU More Rewards Amex $25,000 | Macy's $25,000 | Synchrony Home (Mohawk) $25,000 | NFCU Go Rewards Visa $24,300 | Citi Costco Visa $15,300 | NFCU CLOC $15,000 | PenFed Gold Visa $11,000 | Discover It $10,000 | Citi Diamond Preferred Visa $9,500 | Kohl's $3,000

Message 42 of 79
coldfusion
Community Leader
Mega Contributor

Re: PenFed 1Q Pre Approvals

 

They like me enough to have given me $39.5K in CC but not enough to show me love.  They reported my FICO 9 score as 834.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 43 of 79
seattlecredit08
Frequent Contributor

Re: PenFed 1Q Pre Approvals

Question-- for those lucky ones who did receive the new 1Q pre-approval offers-- under your FICO score, does it give you a date of 12/4/2018?

 

For me, under the big score image and FICO score meter, it says, in smaller print:

 

"Your FICO® Score 9, based on Equifax data and pulled on 12/04/2018, is 761 and is the same score that PenFed uses to manage your account."

 

I am trying to determine if PenFeds pulls everyone on the exact same date each quarter for their quarterly offers. If so, then it may be unlikely that more scheduled quarterly offers will come later in the week as it may be the case that they do everything uniformly for everyone (soft pull credit same day each quarter, display offers same day).

 

Thanks!!

Message 44 of 79
Meanmchine
Super Contributor

Re: PenFed 1Q Pre Approvals

Looks like Im gonna have to wait til the start of baseball season for the next quarterly lottery Smiley Sad

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 45 of 79
DCnDC
Contributor

Re: PenFed 1Q Pre Approvals

Yes, new FICO has a date of 12/4.
FICO 8 (as of 8/23/2019) | EX: 823 | TU: 824 | EQ: 831
Inquiries (Total) | EX: 1 | TU: 1 | EQ: 1
Inquiries (Less than 1 year) | EX: 0 | TU: 0 | EQ: 0

Bank Americard Mastercard $90,000 | PenFed Promise Visa $39,000 | Citi Simplicity Mastercard $26,500 | NFCU More Rewards Amex $25,000 | Macy's $25,000 | Synchrony Home (Mohawk) $25,000 | NFCU Go Rewards Visa $24,300 | Citi Costco Visa $15,300 | NFCU CLOC $15,000 | PenFed Gold Visa $11,000 | Discover It $10,000 | Citi Diamond Preferred Visa $9,500 | Kohl's $3,000

Message 46 of 79
sjt
Senior Contributor

Re: PenFed 1Q Pre Approvals


@Revelate wrote:

Weird, we have 3 people in this thread alone with I know differing profiles all sitting on 790 with Penfed aka EQ FICO 9?

 

Much strangeness statistically!


Im at 793 as of 12/6/18. It went up to 824 as of 1/1/19. No offers. 

Ive been a member for a little over a year, auto loan with them, got pre-approvals for only one quarter, recently did get a loan check up to $25K at the lowest APR offered. I passed on that one.

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 47 of 79
Credit-hoarder
Valued Contributor

Re: PenFed 1Q Pre Approvals

I checked a little while ago and had offers of $31.2K max for a CC--or $39.2K max for a new or used vehicle loan--and was in COMPLETE shock. If I took the CC offer as an increase on my existing $15K Promise card would the new CL be $46.2K or $31.2K? G-Man (mood)--where are you at?

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 48 of 79
Gmood1
Super Contributor

Re: PenFed 1Q Pre Approvals

Credit-pimp, that means you're at the $46k on that CC now.😃
Congrats on the super fat increase!!
Message 49 of 79
Anonymous
Not applicable

Re: PenFed 1Q Pre Approvals

At this point, is it safe to assume logging in every 5 minutes is a waste of time?
Message 50 of 79
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.