Penfed offers :just a sanity check

[Anonymous]

They previously denied me for the rewards card (i wanted to BT 10k) going on 45days ago now. I was approved for the $500 LOC.. I was wondering if I'll still get offers..will they auto soft me after a certain time period? Score has jumped probably 20-30 points since that decline but still not in what I would consider penfed rewards card range.

* wanted to add* that the pull they used for the denial (per myfico monitoring and equifax report was 05/27/09)

Message Edited by lphelps on 09-15-2009 11:20 PM

[smallfry]

I have had the card 30 months never got an offer but that is probably due to my BK. They soft my Equifax every 3 months religiously.

[Anonymous]

Took me over a year to get an unsecured offer. I got secured (installment) offers sooner. I think you have to be both at the right time for your account and at the right time in their cycle and then qualify to get offers.

[Anonymous]

Not to thread highjack but I was wondering how you knew if PenFed offered you a product?  On the right side of my screen I have promotion offers but nothing beyond that.  Thanks in advance!

[haulingthescoreup]

One day you'll log in, and there will be a long list of offers over on the right.

Sorry, that's kind of vague, isn't it?

Check this thread to see what they look like. It's from my last set of offers in April. There's a ton of white space on the first post above the screen print that I never could get rid of, but there are shots of the actual offers and of the alert. hth

[Anonymous]

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@smallfry wrote:
I have had the card 30 months never got an offer but that is probably due to my BK. They soft my Equifax every 3 months religiously.

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Hmm they haven't don't an inq since may and that was hard. It doesn't make sense that they'd only extend offers to people with CC's (or does it?)

Right now I've got a settlement that is dropping off in 3 more months after that I'll have 1 30 from 2006 and  1 from 2005 (same card. no relationship with cap one since to even try and GW. thats it.. maybe then I should just straight up reapply for the card.. although I'd have more confidence if they'd offer something..

[Jazzzy]

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@Anonymous wrote:
Not to thread highjack but I was wondering how you knew if PenFed offered you a product?  On the right side of my screen I have promotion offers but nothing beyond that.  Thanks in advance!

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I'm new at PenFed myself. I'll be curious to see what pops up down the line. This morning there was a new link for me. It is cell phone protection if I pay my cell phone bill through PenFed. The coverage is free.

We always have insurance on our phones, but you can't collect after the phone goes in the lake or river. (Ever raise a 16 y/o who loves to swim in the Missouri? It happens.)

Who knows how good the coverage is, but I can easily pay my bill through them. So, that was a nice perk.

Message Edited by LynetteM on 09-16-2009 06:38 AM

[Anonymous]

Thanks haulingthescoreup!  I checked out your link and I haven't received anything that specifically said "offer." 

[Anonymous]

lphelphs, I think that is a very good question.  Are these offers only coming up for people who have a credit card with them?

[Anonymous]

LynetteM, I agree that it is a nice perk to have the cell phone protection plan.  I'm curious if you have a credit card with them.  I have been a member of Pen Fed for about 2 years now and I have never received any "offers" for any of their products.  Granted, I rarely pay attention to the advertisement on the right side of my screen.  I just have a savings account with them that I put x amount in every pay check.  I have decent scores (mid 700s) but I don't have any credit product from them.