@Anonymous wrote:Wow! Congrats!
@Anonymous wrote:
@M_Smart007 wrote:... Also received a PenFed PCR Visa CLI of $11,500 (Instant via website request) and Applied for Penfed Platinum Rewards Visa Siggy (Pending Manual Review)That is making quite a lot of mileage from the one HP.
Nicely played.
Thanks for the additional info -- adds a lot of context.
Did you actually do all of this off of one as implied? Or did you get double/tripple whammied?
I recently did a CLI on one of mine and refroze my reports. Few days later attempted a loan and to open the checking account so I could make my PCR 2% and more of my DD. Both of which they indicated that I needed to unfreeze my report to move forward and indicated it was totally up to the computer on whether or not it'd reuse the same HP - sounding like they joined the Cult of Capital One. Worshipping the all knowing computer.
@Anonymous, Unfortunately .. I took 2 HP's on EQ .. but bettter than 3 ..
I feel I made the most of it, Personal Loan, CLI and PenFed Platinum App. (which is still pending)
Overall I'm happy
$36,500 total for the Loan and PCR Visa CLI. Hopefully The Platinum get's approved
and I still have a 0% BT offer on the PenFed PCR.
Take care and Be Safe!
@M_Smart007 wrote:
@Anonymous wrote:Wow! Congrats!
@Anonymous wrote:
@M_Smart007 wrote:... Also received a PenFed PCR Visa CLI of $11,500 (Instant via website request) and Applied for Penfed Platinum Rewards Visa Siggy (Pending Manual Review)That is making quite a lot of mileage from the one HP.
Thanks for the additional info -- adds a lot of context.
Did you actually do all of this off of one as implied? Or did you get double/tripple whammied?
I recently did a CLI on one of mine and refroze my reports. Few days later attempted a loan and to open the checking account so I could make my PCR 2% and more of my DD. Both of which they indicated that I needed to unfreeze my report to move forward and indicated it was totally up to the computer on whether or not it'd reuse the same HP - sounding like they joined the Cult of Capital One. Worshipping the all knowing computer.@Anonymous, Unfortunately .. I took 2 HP's on EQ .. but bettter than 3 ..
I feel I made the most of it, Personal Loan, CLI and PenFed Platinum App. (which is still pending)
Overall I'm happy
$36,500 total for the Loan and PCR Visa CLI. Hopefully The Platinum get's approved
and I still have a 0% BT offer on the PenFed PCR.
Take care and Be Safe!
Yeah - for sure! G'luck with it!
@Anonymous ..Thank You
@M_Smart007 ... what to say? You could have taken the change from your mattress to buy the coins. Now you have a loan to pay and owe a debt to Pen Fed FCU? Sure don't understand
@Anonymous wrote:
@M_Smart007... what to say? You could have taken the change from your mattress to buy the coins. Now you have a loan to pay and owe a debt to Pen Fed FCU? Sure don't understand
@AnonymousSent you a PM.
@M_Smart007 wrote:
@Anonymous wrote:
@M_Smart007... what to say? You could have taken the change from your mattress to buy the coins. Now you have a loan to pay and owe a debt to Pen Fed FCU? Sure don't understand@AnonymousSent you a PM.
@M_Smart007 so you know I was doing my best to be funny (sometimes anyway)? Pen Fed took care of you and rates seem livable!
Congratulations!
@M_Smart007 wrote:
I have an opportunity to add some rare collectible Gold coins to My personal collection.
I am buying an Estate liquidation.
Applied for PenFed Personal loan this Morning and was just approved after 3 verification questions.
$25,000 @6.49% (was given the max amount at the lowest rate)
Took the 60 Months .. even though I won't need it.
One thing about PenFed personal loans,
If you pre-pay it pushes the next payment out, and does not shorten the duration of the loan.
Also NO pre-payment penalty or loan fee's.
https://i.imgur.com/b150xe5.png
https://i.imgur.com/YnBWpS6.png
https://i.imgur.com/YNSa1jD.png
Approved !!!
Congrats DW just got in the mail the Famous Penfed Preapproved loan checks full $25K at 14.99% no thanks.
@bigpoppa09 wrote:
Congrats DW just got in the mail the Famous Penfed Preapproved loan checks full $25K at 14.99% no thanks.
Ya, That is a little high. But I guess if one need some emergency money ASAP. for just a few weeks.
Then it might not be so bad. Also it could be paid down anytime and you would have an installment loan reporting for 5 years and get a nice score boost.
I had done a little rate shopping and one lender was willing @ 18.99% 
Going make 200% instant profit on the coins, as I bid very low. so the 6.49% is a drop in the bucket.
I will most likely pay it down within 6 months.
@M_Smart007 wrote:
@bigpoppa09 wrote:
Congrats DW just got in the mail the Famous Penfed Preapproved loan checks full $25K at 14.99% no thanks.
Ya, That is a little high. But I guess if one need some emergency money ASAP. for just a few weeks.
Then it might not be so bad. Also it could be paid down anytime and you would have an installment loan reporting for 5 years and get a nice score boost.
I had done a little rate shopping and one lender was willing @ 18.99%
Going make 200% instant profit on the coins, as I bid very low. so the 6.49% is a drop in the bucket.
I will most likely pay it down within 6 months.
Yeah, I've gotten those World Famous Penfed Preapproved loan checks by mail for $25K a couple times, I think around 16%, promptly threw them into the shredder. But I have pre-approvals from Penfed for 3 different CCs w/$5200 CL and a new car loan for $15k. I don't need any new CCs and don't care for Penfed CCs anyway, and also don't need any new cars. But there was a link at the bottom "Don't see what you need?" I thought it would add a pre-approval so I went for a Personal Loan for $9500 to see what they might offer. Nope, they treated it like a new credit app and promptly sent me an email demanding the PIN to "unfreeze" EQ, I'm sure for a HP. It's not frozen, I use a service from each CRA to lock my reports. I'll let Penfed sit on it for a few days and see what rate others offer with a SP.