PenFed Preapp Offers Updated

[Anonymous]

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@DI wrote:
Is charging only a monthly cell phone bill sufficient enough to get future CLI's with PenFed?  I only pay my cell phone bill with the $1000 limit I have.

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Paying the account and keeping yourself in good standing is a factor. How much you charge does not seem to be a factor,

[DI]

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@Anonymous wrote:

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@DI wrote:
Is charging only a monthly cell phone bill sufficient enough to get future CLI's with PenFed?  I only pay my cell phone bill with the $1000 limit I have.

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Paying the account and keeping yourself in good standing is a factor. How much you charge does not seem to be a factor,

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Good to know that.

[Woolfman]

Well since i moved everything from Wachovia to alliant after i got approved for a CC with allliant . I decided last night to open a savings with penfed .(for my $25 a week Direct depost for me account.) Would be nice down the road to see some offers like some of you have seen!

[Anonymous]

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@Woolfman wrote:
Well since i moved everything from Wachovia to alliant after i got approved for a CC with allliant . I decided last night to open a savings with penfed .(for my $25 a week Direct depost for me account.) Would be nice down the road to see some offers like some of you have seen!

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If those are FICO scores you have listed below it will probably happen. You might want to call one of the 24/7 CSR's though and ask if you get pre-app offers when you do not already have a credit product. Without having a credit product they won't be softing you regularly and that could be a problem.

[Anonymous]

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@Anonymous wrote:

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@Woolfman wrote:
Well since i moved everything from Wachovia to alliant after i got approved for a CC with allliant . I decided last night to open a savings with penfed .(for my $25 a week Direct depost for me account.) Would be nice down the road to see some offers like some of you have seen!

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If those are FICO scores you have listed below it will probably happen. You might want to call one of the 24/7 CSR's though and ask if you get pre-app offers when you do not already have a credit product. Without having a credit product they won't be softing you regularly and that could be a problem.

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I did not have any credit products with PenFed and I got the offers that I posted earlier in this thread.

Also, I gave in and decided to app for their Visa cash card.  I probably will only use it for groceries and gas.  And businesses that don't accept AmEx.

[Anonymous]

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@Anonymous wrote:

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@Woolfman wrote:
Well since i moved everything from Wachovia to alliant after i got approved for a CC with allliant . I decided last night to open a savings with penfed .(for my $25 a week Direct depost for me account.) Would be nice down the road to see some offers like some of you have seen!

---

If those are FICO scores you have listed below it will probably happen. You might want to call one of the 24/7 CSR's though and ask if you get pre-app offers when you do not already have a credit product. Without having a credit product they won't be softing you regularly and that could be a problem.

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When I joined PenFed they automatically gave me the standard $500 overdraft protection.  Maybe that is why they have been softing me every month or so.

[Anonymous]

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@Anonymous wrote:

I did not have any credit products with PenFed and I got the offers that I posted earlier in this thread.

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When did you app membership?

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@Anonymous wrote:

Also, I gave in and decided to app for their Visa cash card.  I probably will only use it for groceries and gas.  And businesses that don't accept AmEx.

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Was it an instant (or almost instant) approval?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Woolfman wrote:
Well since i moved everything from Wachovia to alliant after i got approved for a CC with allliant . I decided last night to open a savings with penfed .(for my $25 a week Direct depost for me account.) Would be nice down the road to see some offers like some of you have seen!

---

If those are FICO scores you have listed below it will probably happen. You might want to call one of the 24/7 CSR's though and ask if you get pre-app offers when you do not already have a credit product. Without having a credit product they won't be softing you regularly and that could be a problem.

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When I joined PenFed they automatically gave me the standard $500 overdraft protection.  Maybe that is why they have been softing me every month or so.

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That's a credit product (Thrifty Credit Service) and reports as a revolving line of credit. They forced one of those to me after I opened my checking account without my asking for it. I had it closed and expunged from my CBR's. I can't see the point of having a $500 O/D line on a checking account that already has a tripwire at a balance of $500 to remain free. It's totally pointless.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I did not have any credit products with PenFed and I got the offers that I posted earlier in this thread.

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When did you app membership?

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@Anonymous wrote:

Also, I gave in and decided to app for their Visa cash card.  I probably will only use it for groceries and gas.  And businesses that don't accept AmEx.

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Was it an instant (or almost instant) approval?

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I joined PenFed over a year ago. Only had the $5 in the share account all this time. No TL with them.

I just applied yesterday. I don't think it's been officially approved yet? I'll post back when I hear something.

[Anonymous]

Did you check the application status page? What is the status?