734->758
My 30/60D got excluded during this period.
I never get pre-approvals from Penfed so no surprise on that front heh; hi Duchess!
@Anonymous wrote:
@CribDuchess wrote:
@Anonymous wrote:
@CribDuchess wrote:
@Anonymous wrote:Up 3 points over the quarter, 690 to 693. I would have thought myself it'd be more with all the activity since February, but hey, up is up, right?
And I don't know if it was there before - I may not have been looking for it or thought to click on it because I didn't see any specific offer in that block - but I got a long list of prescreened offers, including, hilariously, an offer for a used auto loan for up to $15,000...um, guys? I already have a used auto loan with you.
More to the point, though, when I click "All Offers", I have pre-screened offers for the Power Cash Rewards Visa, the Platinum Rewards Visa, the Promise Visa, and the Travel Rewards American Express. And all of them have the same maximum amount, $8,000. When I click the "Apply" button under "Credit Cards", I get offers for the Power Cash Rewards (at 17.74% APR) and Promise (at 16.24% APR), with a SL of $3,000. Since this is a hard, single-figure APR offer and a hard SL figure, I have the feeling I'll be approved if I apply for either of these...
*sigh* and here I just announced my return to the garden this morning, and the card at the top of my want list is now dangling tantalizingly within reach. Do I or don't I, do I or don't I???
...
Congrats on all that PenFed pre-approved luv, joe8185!!
It is VERY tempting, isn't it?! I kind of suspect that if you don't take any offers right now, that you'll probably have offers again in the next quarter. Just a guess on my part, but that's what happened to me this time, as i had back-to-back quarterly offers and I didn't accept any offers last quarter.
Well, I ended up taking the offer on the Power Cash Rewards (17.74%, $3K). What I didn't mention before is that on that page, they didn't hedge and say I was pre-approved, pre-qualified or pre-selected. They said flatly that I was approved for either card if I took either offer. That seems pretty definite, much more so than "pre-approved" or "pre-selected". I had to fiddle with NoScript to get all the thingies activated so I could sign the application online, but it's done, so I guess we'll find out for sure Monday.
Congrats on the Power Cash Rewards card! It's a done deal, and nothing should change on Monday. Pre-approved IS approved, there's no difference. But yes, pre-selected or pre-qualified is definitely not an automatic approval. I guess my main point is that you didn't receive anything different than any other member who has pre-approved offers from PenFed.
Thanks! I have to say, it's very rare to see flat-out "approved" on a credit card offer, at least in my experience. Even Discover, back when they were blizzarding my paper mailbox with offers, only said "pre-qualified" though they did give me solid one-figure APR's (like Penfed did today). I'm waiting to see when the HP shows up on my Equifax; to give me such a hard offer and approve in advance, they had to have pulled my report.
There won't be a HP. This is the major perk of the PenFed pre-approval offers! Trust me.
@Revelate wrote:734->758
My 30/60D got excluded during this period.
I never get pre-approvals from Penfed so no surprise on that front heh; hi Duchess!
Helloooo Revelate!! Congrats on your mighty fine NG2 score increase! I see those very nice Fico 8 scores in your sig......keep up the great work. Sooner or later, those PenFed pre-approved offers are going to be knocking. Until then, continue to enjoy all that love you get from Chase!
@-Wade- wrote:My score is up to 833. Also got a Preapproval for a 9K CLI on my power cash card and I accepted it
Woo hoo! Congrats to you, -Wade-!! What a great start to the holiday weekend.
@CribDuchess wrote:
@-Wade- wrote:My score is up to 833. Also got a Preapproval for a 9K CLI on my power cash card and I accepted it
Woo hoo! Congrats to you, -Wade-!! What a great start to the holiday weekend.
Thank you so much for your kind reply :-) wishing you and your family a wonderful 4th
@CribDuchess wrote:
@Anonymous wrote:
@CribDuchess wrote:
@Anonymous wrote:
@CribDuchess wrote:
@Anonymous wrote:Up 3 points over the quarter, 690 to 693. I would have thought myself it'd be more with all the activity since February, but hey, up is up, right?
And I don't know if it was there before - I may not have been looking for it or thought to click on it because I didn't see any specific offer in that block - but I got a long list of prescreened offers, including, hilariously, an offer for a used auto loan for up to $15,000...um, guys? I already have a used auto loan with you.
More to the point, though, when I click "All Offers", I have pre-screened offers for the Power Cash Rewards Visa, the Platinum Rewards Visa, the Promise Visa, and the Travel Rewards American Express. And all of them have the same maximum amount, $8,000. When I click the "Apply" button under "Credit Cards", I get offers for the Power Cash Rewards (at 17.74% APR) and Promise (at 16.24% APR), with a SL of $3,000. Since this is a hard, single-figure APR offer and a hard SL figure, I have the feeling I'll be approved if I apply for either of these...
*sigh* and here I just announced my return to the garden this morning, and the card at the top of my want list is now dangling tantalizingly within reach. Do I or don't I, do I or don't I???
Congrats on all that PenFed pre-approved luv, joe8185!!
Well, I ended up taking the offer on the Power Cash Rewards (17.74%, $3K). What I didn't mention before is that on that page, they didn't hedge and say I was pre-approved, pre-qualified or pre-selected. They said flatly that I was approved for either card if I took either offer. That seems pretty definite, much more so than "pre-approved" or "pre-selected". I had to fiddle with NoScript to get all the thingies activated so I could sign the application online, but it's done, so I guess we'll find out for sure Monday.
Congrats on the Power Cash Rewards card! It's a done deal, and nothing should change on Monday. Pre-approved IS approved, there's no difference. But yes, pre-selected or pre-qualified is definitely not an automatic approval. I guess my main point is that you didn't receive anything different than any other member who has pre-approved offers from PenFed.
Thanks! I have to say, it's very rare to see flat-out "approved" on a credit card offer, at least in my experience. Even Discover, back when they were blizzarding my paper mailbox with offers, only said "pre-qualified" though they did give me solid one-figure APR's (like Penfed did today). I'm waiting to see when the HP shows up on my Equifax; to give me such a hard offer and approve in advance, they had to have pulled my report.
There won't be a HP. This is the major perk of the PenFed pre-approval offers! Trust me.
NO HP?! Truly we have not yet seen the end to the age of miracles. I mean, I considered myself fortunate to get a $4K SL from Comenity for the Overstock card with a SP, but then that's a store card when all is said and done. Getting a major card from one of the nation's leading CU's without a HP really leaves one feeling thunderstruck, even if one has been doing business with them for close to 40 years. (wanders away looking slightly sandbagged) I'm also rather shocked that I got a pre-approval when Revelate, who has better scores than me across the board, didn't...
@CribDuchess wrote:
@JR_TX wrote:
Hope someone would be kind enough to post a screenie of a pre-app offer. Really wanna know what I should be looking or watching out for.Hi JR_TX - here are screenshots of my PenFed pre-approved offers for this quarter. I was surprised to receive pre-approved offers for this quarter since I also received pre-approved offers last quarter. And my NG2 score dropped 33 points this quarter, from 857 to 824, all because I paid off my car loan back in March.
Thank you very much!
@pizza1 wrote:
Staying steady at 662 lol..of course, no offers..
On looking at all the results (including mine!) so far, it seems the principle has been reinforced that your score alone isn't a perfectly reliable indicator of whether you'll get offers, or be approved for those offers if you're given them. In my case, I suspect that developing a history of responsible use and on-time payments on my existing non-Penfed cards, plus keeping up to date on my Penfed car loan (and, though this will be more controversial since there's a thread in General Credit arguing whether this even matters, my decades-long and trouble-free relationship with them) all contributed to my getting solid, pre-approved offers for not one but two of their cards yesterday.