PenFed Email "Offers Just For You"

Anonymous · ‎09-13-2021

Got this email stating Member Exclusive offers for September. September 2021 "Offers Just For You". When I click "Learn More" it brings me to a product page with link for CC PDFs and Apply button. When click on Apply it asks to Login to prefill app. Did that and appears to be regular app page with no other information other than prifilled account info.

Is this targeted or just General Marketing?

spiritcraft1 · ‎09-13-2021

I am fairly sure that is marketing. Their approvals say "pre approved". That isn't to say you wouldn't be approved though.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Jnbmom · ‎09-13-2021

It's just marketing

EXP 780 EQ 791TU 795

Anonymous · ‎09-13-2021

Thanks for the replies. Trying to stay in the garden till 2022 but PenFed was my next planned move so got a bit ansy when I saw the email.

cashorcharge · ‎09-13-2021

To my knowledge, true pre-approved offered from PF are not presented via email. They are displayed on their website on a full browser, not on a phone. In my experience, while given offers, I was never notified via email...I came across them when logged into their site.

Anonymous · ‎10-09-2021

Been sitting in the garden for a bit now itching to app PenFed while watching recent approvals making me ansy. New Apple Card hasn't hit the CR's yet for a new account showing so the window is open slightly but slowly closing. Not superstitious however EQ9 is sporting a 666 and hesitant to leave anything to chance. Could algos be superstitious? Could some programmer have inputted the mark of the beast as an instant rejection? Even worse, I get a warm body looking over the app and then it's a wrap. Easy to say just hold out however that would mean another 6 months in the garden before the window opens. Maybe this is a new PenFed or maybe it isn't. This is what Midnight forums does to the brain. Decisions... decisions...

ETA: First of the month EQ will prolly bump back into the 670's again with some lowered Utilization and Aging but new account may show by then. We'll see I guess.

Loquat · ‎10-10-2021

If it's meant to be it'll be right? How much damage do you think the new account will do? Will the damage of a new account outweigh app'ing now with utilization not quite where you want it to be? Will a new account or the utilization update rid of you of the 666 score you've mentioned?

For real though, if it were me, I'd rather app with a new account hit rather than utilization that I'm not happy with...but that's just me.

Best of luck to you OP in whatever you decide.

cashorcharge · ‎10-10-2021

If your Apple account is the new account your anticipating reporting...did the account generate a statement on 9/30 and how long has it been open? Reason being, they are notorious for slow posting to CB's...new or not...and in some cases, new accounts took especially longer to report, meaning more than a month. In a regular month, my Apple Card updates for 14-18 days after the statement close each month. Good luck if you proceed.

Anonymous · ‎10-10-2021

@Loquat wrote:
If it's meant to be it'll be right? How much damage do you think the new account will do? Will the damage of a new account outweigh app'ing now with utilization not quite where you want it to be? Will a new account or the utilization update rid of you of the 666 score you've mentioned?

For real though, if it were me, I'd rather app with a new account hit rather than utilization that I'm not happy with...but that's just me.

Best of luck to you OP in whatever you decide.

The UT hit was an oversight by me last month as I missed the SD on one CC by 12 hours causing a lower CL CC to report a $100 balance. I usually do AZEO but slipped and it knocked me above 10% on my Cap1 card. Figured no issue until I saw the EQ9 drop. Ouch. Not a catastrophe until the wheel lands on 666 before an app 🤣. Fairly certain it bounces back EOM with AZEO back in play. By all accounts and DPs, the Apple account most likely won't show until after score recovers. There are worse problems to have but have gardened so long and know I have another stint ahead of me that I want to maximize the short window of opportunity.

Anonymous · ‎10-10-2021

@cashorcharge wrote:
If your Apple account is the new account your anticipating reporting...did the account generate a statement on 9/30 and how long has it been open? Reason being, they are notorious for slow posting to CB's...new or not...and in some cases, new accounts took especially longer to report, meaning more than a month. In a regular month, my Apple Card updates for 14-18 days after the statement close each month. Good luck if you proceed.

New account is the Apple account. Opened this week so no statement generated yet. Thinking I might have a 1 week window to app next month before it reports.