PenFed Pre-Approvals Posted

[credit_is_crack]

 Hi All, 

I got the "Congrats, on your pre-approval" email from PenFed over the weekend, which seemed odd for their 'cycle'. I got one of these in January and it had several auto loan options, but that's it. The email I got over this weekend had an option for the Platinum Rewards card for $6,200 and an auto loan for $35k.

I thought it was a SP CLI offer for my current Plat Rewards cards with them, which would bring it up to $36,200. I have no reason to refuse a free SP CLI so I logged in and when I clicked on "view all offers" I had a lot more than expected LOL Not sure if i'm going to pull the trigger on any of these, but again, a welcomed surprise!  

I joined PenFed in 2015 WITH baddies and didn't get my first preapproval from them until around 09/2017 (after my auto loan turned a year and all baddies had fallen off all reports). I want to say I had received 2 preapprovals since they started sending me offers, but they were always auto loan related. This is the most generous they have been with me in a preapproval...woo-hoo!

[pizza1]

WOW...nice!!

All I ever get is "turbo tax", and "great rates for everyone"....(sighs)....

[credit_is_crack]

Forgot to ask ... I wonder if I were to apply for a CLI on my Plat Rewards if they would give me that maximum offer and add $17k on top of my $30k??? And to confirm, are the offers here essentially SP, but if I applied for a CLI it would be a HP?

[credit_is_crack]

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@pizza1wrote:
WOW...nice!!

All I ever get is "turbo tax", and "great rates for everyone"....(sighs)....

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Oh I Knoooowww those messages lol 

[sueblue34]

I was wondering when they would start posting offers to our accounts for 2018 Q1.

You got quite a few so the wait was worth it

[Anonymous]

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@pizza1wrote:
WOW...nice!!

All I ever get is "turbo tax", and "great rates for everyone"....(sighs)....

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That's all I ever get too. I joined them clean, I am still clean and a FICO 9 of 778. My Nexgen score was always 750 plus. Still I never get anything. Not even a trailer approval that I would never take. But they could throw it in as a bone to make me think they are thinking about me!! Lol...

[Gmood1]

I received a preapproval email over the weekend. Didn't see anything at that time. I just checked thanks to your post. Dang! Penfed is opening up the flood gates! Who said you can't get approved with a half million in open tradelines already reporting to the CBs ?😂

The cool thing about Penfed is their preapprovals are REAL. Not just advertisement and fishing scams.

[Gmood1]

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@credit_is_crackwrote:

Forgot to ask ... I wonder if I were to apply for a CLI on my Plat Rewards if they would give me that maximum offer and add $17k on top of my $30k??? And to confirm, are the offers here essentially SP, but if I applied for a CLI it would be a HP?

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No it's a soft pull, click on the card you already have. It will asked if you want the CLI.

[credit_is_crack]

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@sueblue34wrote:
I was wondering when they would start posting offers to our accounts for 2018 Q1.

You got quite a few so the wait was worth it

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They did go a bit crazy with the recreational vehicles, of which I have zero, but they're the only bank I have that even offers all those types lol maybe it's time to look into one

[credit_is_crack]

Hey Gmood! I see you're still clowning around this site lol I've been trying to stay off here because if I'm here too much, the chase will never end and its like app-o-rama every weekend lol

Your loans are pretty much the same as mine, but we've always seemed to be favored by the same lenders. I'm surprised you don't have cards on there too