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PenFed 1Q Pre Approvals

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: PenFed 1Q Pre Approvals


@Gmood1 wrote:

@oldman87 wrote:

Gmood1, you told me my offers will come back (after taking CLI offer in October) again every quarter, logged on this morning...nothing! I hate you! Smiley Tongue


 

😂

They will Oldman. Give it more time. Trust me, the offers will return. Lol


I'm taking your car if the $40k auto loan offer doesn't come back in 6 months. LOL
Message 31 of 79
Valued Contributor

Re: PenFed 1Q Pre Approvals


@oldman87 wrote:

Gmood1, you told me my offers will come back (after taking CLI offer in October) again every quarter, logged on this morning...nothing! I hate you! Smiley Tongue


I got my offer in Aug. $8000. (which isn't high but what the heck, it's something) I took the new card. 

I don't have any offers now but mine was about the 8th of the month IIRC.

I really don't expect another offer this soon. I'm hoping for something in 2nd or 3rd Q. 

 

Good Luck YoungMan!!  crossed_fingers.gif




Message 32 of 79
Valued Contributor

Re: PenFed 1Q Pre Approvals

Maybe because today is a holiday, the offers will come  out tomorrow?




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2019 CCT EX 829 TU 848 EQ 837
Thus will it come to pass. The Dying Leader will know the truth of the Opera House. The missing Three will give you the Five, who've come from the Home of the Thirteenth. You are the Harbinger of Death, Kara Thrace. You will lead them all to their End. End of line.
Message 33 of 79
Community Leader
Super Contributor

Re: PenFed 1Q Pre Approvals


@Meanmchine wrote:

Maybe because today is a holiday, the offers will come  out tomorrow?


Exactly, my offers normally show up on the regular business days.

On one of the last go arounds, some folks posted they had offers. That was on a Sunday. 

My offers didn't show till the following Monday.

 

I'll let you have one of my cars Oldman. Lol

I know you are good for it.😁

Message 34 of 79
Valued Contributor

Re: PenFed 1Q Pre Approvals

Joined dirty and still dirty. Nothing but the usual Turbo Tax offer. Smiley LOL






Message 35 of 79
Community Leader
Super Contributor

Re: PenFed 1Q Pre Approvals

Im eternally 790 Smiley Wink. My score has crashed but i did actually achieve 810 fico 9 earlier last year . Its amazing to think how a Credit Union so big can be so stingy with many of its own members. Most frustrating lender ive dealt with on my journey . Those expecting offers probably should just wait til you get an offer than you can actually expect lol. No exact science on who gets Dads love and who doesntSmiley Wink. Anybody know if i can enter Turbo in the 500?Smiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 36 of 79
Frequent Contributor

Re: PenFed 1Q Pre Approvals


@AverageJoesCredit wrote:
Im eternally 790 Smiley Wink. My score has crashed but i did actually achieve 810 fico 9 earlier last year . Its amazing to think how a Credit Union so big can be so stingy with many of its own members. Most frustrating lender ive dealt with on my journey . Those expecting offers probably should just wait til you get an offer than you can actually expect lol. No exact science on who gets Dads love and who doesntSmiley Wink. Anybody know if i can enter Turbo in the 500?Smiley Wink

Very interesting!

 

I will say on this, however, in PenFed's defense-- they do seem to be fairly generous with their initial $10K card limits. They gave me $10K limit out of the gate, which was my highest limit at the time by 2X, and it appears to be quite common, from what I read here.  A lot of other lenders are not as generous from the get-go.

 

Thanks!!

Message 37 of 79
Moderator Emeritus

Re: PenFed 1Q Pre Approvals

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!




        
Message 38 of 79
Community Leader
Senior Contributor

Re: PenFed 1Q Pre Approvals

For reference, mine showed up and they're worse than last quarter.

Screen Shot 2019-01-01 at 2.14.39 PM.png
Screen Shot 2019-01-01 at 2.14.59 PM.png



FICO 8 Scores (4/21/19) | Equifax: 774 | TransUnion: 742 | Experian: 750 | Goal: CSR. I'll get you my pretty!
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Message 39 of 79
Community Leader
Super Contributor

Re: PenFed 1Q Pre Approvals

Just curious, logged in and lol, i dont even have a Fico banner anymore. I guess they figure why waste spaceSmiley Wink. I think my last score given was at 755 and this was after i paid off my cc debt with my loan, they still wouldnt give me any credit. Headscratcher for sureSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 40 of 79