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@FretlessMayhem wrote:
Not sure if you are interested or not, but I figured I'd just throw it out there anyway.
NFCU has great rates also, and seems to have pretty lenient lending standards if you or someone you are related to has a military affiliation.
@scapegrace13 wrote:
@Anonymous wrote:PenFed pulls equifax exclusively...and even on just setting up a savings account.FWIW, I was told by the PenFed CSR with whom I applied over the phone that for JUST doing the savings account join-up, the inq was only a soft one.Unfortunately, I ended up not being able to resist trying for one of their CC's, so I can't confirm that this would have been the case.Thrasher, if you're willing to just join up for now, with only the savings account, and to take that EQ hard inq later on when you want to apply for a cc, call them and ask them about their inqs for savings account-only join-ups - maybe the CSR I spoke to is correct and they only soft you in that situation.
I think your CSR dropped the ball on that one, or you got lucky, one or the other. I joined PenFed on a Thursday (gave 'em $50 instead of $5, because I was so excited!), and I didn't app for the card and the car loan until Saturday. The hard inq is on Friday, and I saw it before I called on Saturday. I think every other post I've read has said the same. Congrats if you pulled it off!
When I joined on the Thursday, I did it on line, and they did not have any way of knowing that I planned on getting the card.
thrasher, since you've joined, and I think you said that you have TrueCredit now, do you see a hard on EQ? If they did hard you, you can try waiting until day 89 or something, when presumably this pull will still be good, and app for the card then. But if you're going to try to do it that soon after your recent successful hunts, you'll have to cease apping for the duration...
haulingthescoreup wrote:
I think your CSR dropped the ball on that one, or you got lucky, one or the other. I joined PenFed on a Thursday (gave 'em $50 instead of $5, because I was so excited!), and I didn't app for the card and the car loan until Saturday. The hard inq is on Friday, and I saw it before I called on Saturday. I think every other post I've read has said the same. Congrats if you pulled it off!
When I joined on the Thursday, I did it on line, and they did not have any way of knowing that I planned on getting the card.
very interesting.. if only I was able to deduct EXACT, specific figures of my monthly usage like THAT! i would be better off.............. nah, too much time consuming, I rather stare at the screen here at myfico =P
thrasher865 wrote:I think I'm gonna stick to Chase Freedom for now. The rewards on the platinum cashback card at PenFed looked so appealing, but I wasn't sure if it was enough to cancel out the extra $50 you get whenever you save $200 in CB with Freedom. My figures are based on what I put through my Amex last month. Here are the results of my analysis:Freedom:$250 in gas / month@ 3%= $7.50 / month$325 in groceries / month@ 3%= $9.75 / month$500 in other expenses / month@ 1%= $5.00 / monthTotal: $22.25 / monthPenFedgas @ 5% - $12.50groceries @ 2% - $6.50other @ 1.25% - $6.25Total: $25.25 / monthIt would take 9 months to save up $200 on the Freedom, so after nine months, here are the balances:Freedom - $200.25 cashback + $50 bonus = $250.25PenFed - $227.25So there you have it. Another one of the great features of credit cards: tracking your spendingNow I know not to ding my scores and chances of an AMEX FR. It looks like the difference between the two cards is almost negligible. $23 over the course of nine months. So I decided I dont need the card.I still am gonna open a MM savings account with them since I already got the hard pull for membership.