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If you really want it, take the plunge. It's not a pre-approval, but once you have a bit of history with them they become more lenient from what I've read. Most seem to agree it's a pretty solid card.
@Meskini wrote:Is this considered a prequalified offer or is it just an invite to a HP ?
My scores are all around 740, average age 2 years, been in the garden for a year now, but i'm not chancing it so i'll just wait for now. I was excited as I got this offer and I needed some extra credit line.
PenFed will use EQ9. Your chances look great for a guaranteed hard pull inquiry if applying.
Scorewise, your 740 is decent without knowing the other details.