47 replies to this topic

[BDK]

They have never softed me... I thinks they hate me.

When I joined, I very much didn't qualify for any of their credit products. Once my reports and scores improved, I still hadn't gotten any soft pulls. I applied for the PenFed AMEX, hoping that it would trigger soft pulls going forward. I was shocked when they approved me for the AMEX with a $15,500 limit. If you've done a lot of cleaning since you first joined, and if your scores are close to the 700s, my advice is to apply for something and take the hard pull, and check in September to see if you've gotten a soft pull.

This works only if you're approved.

Even if scores are above 750, DON'T app if you have lots of recent accounts... They WILL call you out as an Egyptian Pyramid Builder.

[jcshadow5]

No offers showing up as of yet, but I have a request line increase for my credit card that, I had posted and asked about on here a few day ago. Anyone know if this would be a Hard Pull. Also have a soft from them on 6-12.

[hegemony]

offers for installments loans of various kinds for me. auto loan up to 50K, etc.

[gnarlywood]

HOLY CRAP!!!!! (Joined 08/16/2011... share ONLY with $2 ACH dep every 2 weeks).

American Express $14,800.00
VISA Platinum Cash Rewards $14,800.00
PenFed Platinum Rewards $14,800.00
PenFed Promise $14,800.00
VISA Gold $14,800.00
Bill Consolidation Loan $25,000.00
New Motorcycle Loan $30,000.00
New Motor Home Loan $39,900.00
New Travel Trailer Loan $39,900.00
New Auto Loan $45,000.00
Personal Loan $25,000.00
Thrifty Credit Service $25,000.00
Personal Line Of Credit $25,000.00
Used Motorcycle Loan $30,000.00
Used Motor Home Loan $39,900.00
Used Travel Trailer Loan $39,900.00
Used Auto Loan $40,000.00

Edited by gnarlywood, 03 July 2012 - 03:13 AM.

[Mr. Media]

HOLY CRAP!!!!! (Joined 9/2011... share ONLY with $2 ACH dep every 2 weeks).

Damn! Those are awesome...

[gnarlywood]

HOLY CRAP!!!!! (Joined 9/2011... share ONLY with $2 ACH dep every 2 weeks).

Damn! Those are awesome...

Thanks!! I accepted the Platinum Rewards, which is what I was holding out for. It says the application has to be approved within the next 24 hours. (SOP even for pre-approvals?) USAA CCMP shows no pulls.

For reference, the picture they had for the Platinum Rewards (blue card) was the old silver/gray Platinum Cash Rewards Visa. Anyways, the picture seems to suggest that the Cash Visa is being directly replaced, as many have suspected.

Edited by gnarlywood, 03 July 2012 - 03:38 AM.

[clutchcargo]

HOLY CRAP!!!!! (Joined 9/2011... share ONLY with $2 ACH dep every 2 weeks).

Damn! Those are awesome...

Thanks!! I accepted the Platinum Rewards, which is what I was holding out for. It says the application has to be approved within the next 24 hours. (SOP even for pre-approvals?) USAA CCMP shows no pulls.

For reference, the picture they had for the Platinum Rewards (blue card) was the old silver/gray Platinum Cash Rewards Visa. Anyways, the picture seems to suggest that the Cash Visa is being directly replaced, as many have suspected.

I'm a little surprised they are even offering the cash rewards card as a preapproval.

Anyway, I got all motor home/boat/car loan offers, nothing cc related.

AND... No more green and gold money bag graphic

[cb_opus]

They have never softed me... I thinks they hate me.

When I joined, I very much didn't qualify for any of their credit products. Once my reports and scores improved, I still hadn't gotten any soft pulls. I applied for the PenFed AMEX, hoping that it would trigger soft pulls going forward. I was shocked when they approved me for the AMEX with a $15,500 limit. If you've done a lot of cleaning since you first joined, and if your scores are close to the 700s, my advice is to apply for something and take the hard pull, and check in September to see if you've gotten a soft pull.

This works only if you're approved.

Even if scores are above 750, DON'T app if you have lots of recent accounts... They WILL call you out as an Egyptian Pyramid Builder.

^ this.

I've been sitting in my mud brick house on de-Nile for 4 years. Too many accounts overall, any new accounts, too many new accounts, too much available credit, you name it, they may not like it. And once they stick you in that bucket, it can be hard to get out. (Not impossible, but difficult.)

They've softed me in the past, but not in the year and a half or so... They have not been impressed with me or my spiffy CRs.

[gnarlywood]

AND... No more green and gold money bag graphic

No kidding! I was looking for some pop-up box but didn't see it and barely noticed the "Your offers" tab on the right just as I went to log out.

[qwerty4]

AND... No more green and gold money bag graphic

No kidding! I was looking for some pop-up box but didn't see it and barely noticed the "Your offers" tab on the right just as I went to log out.

Can someone post a screenshot of where these offers appear. I had them with the old layout, but haven't seen anything post website update.

[BobWang]

Mine are in the "Your Offers" box to the right of accounts, and below the "Transfer Funds" box.

[BobWang]

ES2, member for only 3 months, has these boxes on the right-hand side:

"Transfer Funds"

"I want to"

"Other Offers"

[gnarlywood]

Mine are in the "Your Offers" box to the right of accounts, and below the "Transfer Funds" box.

ES2, member for only 3 months, has these boxes on the right-hand side:

"Transfer Funds"

"I want to"

"Other Offers"

Yeah it was just another menu box on the right side that looks like "Other Offers" at the bottom, but it said "Your Offers". I can't recall if it was before or after "I want to", but was between "Transfer Funds" & "Other Offers." (It's gone entirely now that I accepted an offer.)

[BDK]

[prudent]

I did not have any offers for a few months, but today there are many. $8500 on any of their CC's (I have a $36K credit line on one of their CCs already) and 10 others including a $17K personal LOC.

Don't really know what changed. I app'd an Amex about 5 months ago, maybe that inq isn't a problem form them any more.

[Crashem]

Prudent, they only do it once a quarter.

[gnarlywood]

OK this is weird in light of my pre-approvals.

I pulled EQ back door and I DO NOT have a soft from PenFed ever. Additionally, I backdoored TU & EX and found no softs from PenFed there, either. I was opted out until mid-April 2012, and EX has been frozen since early 2011. In fact, the only credit report PenFed appears to have from me is the EQ from opening the share account on 8/16/2011.

Granted these are not the "hard copies" of the reports mailed to me, but they are directly from the source backdoor/dispute/AA versions so as realistic as I could obtain on the fly.

Also strange side note -- Alliant's PRM INQs for their recent rash of pre-approvals for me have been on EX. No sign of them on EQ or TU. I have checking & share savings with Alliant.

Edited by gnarlywood, 04 July 2012 - 12:54 AM.

[clutchcargo]

AND... No more green and gold money bag graphic

No kidding! I was looking for some pop-up box but didn't see it and barely noticed the "Your offers" tab on the right just as I went to log out.

Can someone post a screenshot of where these offers appear. I had them with the old layout, but haven't seen anything post website update.

[qwerty4]

AND... No more green and gold money bag graphic

No kidding! I was looking for some pop-up box but didn't see it and barely noticed the "Your offers" tab on the right just as I went to log out.

Can someone post a screenshot of where these offers appear. I had them with the old layout, but haven't seen anything post website update.

Thank you, sir.

[CTSoxFan]

Been a member for over 4 years now, have never gotten any pre-approved offers...and not expecting anything soon as I just refinanced a car with them a couple of months ago...which gives me a car, Visa and Amex.

[wanabe]

They have never softed me... I thinks they hate me.

When I joined, I very much didn't qualify for any of their credit products. Once my reports and scores improved, I still hadn't gotten any soft pulls. I applied for the PenFed AMEX, hoping that it would trigger soft pulls going forward. I was shocked when they approved me for the AMEX with a $15,500 limit. If you've done a lot of cleaning since you first joined, and if your scores are close to the 700s, my advice is to apply for something and take the hard pull, and check in September to see if you've gotten a soft pull.

This works only if you're approved.

Even if scores are above 750, DON'T app if you have lots of recent accounts... They WILL call you out as an Egyptian Pyramid Builder.

^ this.

I've been sitting in my mud brick house on de-Nile for 4 years. Too many accounts overall, any new accounts, too many new accounts, too much available credit, you name it, they may not like it. And once they stick you in that bucket, it can be hard to get out. (Not impossible, but difficult.)

They've softed me in the past, but not in the year and a half or so... They have not been impressed with me or my spiffy CRs.

Howdy neighbor!

[patz2009]

Just checked my Equifax report... PenFed didn't even soft me.

[gnarlywood]

Yayyyy ... my Platinum Rewards card showed up under My Accounts with full acct # so it's feeling officially official. (I'm submitting it to CP database.)

I still do not have a soft from PenFed showing up on any report ever, only the membership hard in Aug 2011 (share only). I did begin an application for the Platinum Rewards card in May 2012 (clicked on it while logged in), but did not finish it. This is strange... perhaps a change to the game.