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Mr. Roper

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About Mr. Roper

  • Birthday 08/19/1974

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  • Location
    NY
  1. Never got an email, maybe I'll get it in snail mail like the first notice about the changes. Weird how some customers are getting this info in snail mail and some in email.
  2. Hilarious.I was told that the minimum amount for any CD (we didn't discuss why I was opening one) was $1,000, hence my $1,000 CD paying 0.3%. This CU is a joke. I believe it says right on the website that its a $1k minimum. I'm opening a checking account and setting up a monthly $501 push to it (with a pull back a week later). If that doesn't satisfy the requirements, then I'll open a CD. I was referring to another discrepancy in information, in this case their web site and one CSR I spoke to said there was $1,000 minimum for a CD, however Mr. Roper pasted an email that he received which stated that there was no CD minimum. To be clear, my question to the CSR was geared more toward what the minimum CD term was to keep the current card terms, not the minimum dollar amount. It states on their website that the minimum dollar amount for a CD is $1K. The email you pasted says very clearly that "there is no minimum principal or term". YES, there is. you cannot open a $5 CD. I agree. I didn't read that much into what the CSR as far as the minimum CD opening amount since it's clearly stated on the website that it is $1K. I'm posting my original email to the CSR just to clarify. I never asked the CSR if there was a minimum dollar amount to open the CD: Hello. I have a question about the changes that are happening to my Penfed Platinum Cash Rewards Visa card. I just want to make sure I understand the changes because I am reading different info on the internet. If I open a money market certificate with Penfed, then my rewards will remain 5% for gas and I would not be charged an annual fee? Also, if I were to open a 6 month certificate, would I have to continually renew it after 6 months to keep my 5% and zero annual fee? When my certificate expires at the end of 6 months, would my rewards be lowered to 3% and would I be billed the annual fee? Thank you for your assistance in helping me understand the changes. Mr. Roper Either way, I'm going to open a 6 month CD next week with $5. (kidding) Gonna do the $1K and be done with it. Like I mentioned before, not really sure how Penfed makes any money from these changes but I guess I'm gonna play the game.
  3. Hilarious.I was told that the minimum amount for any CD (we didn't discuss why I was opening one) was $1,000, hence my $1,000 CD paying 0.3%. This CU is a joke. I believe it says right on the website that its a $1k minimum. I'm opening a checking account and setting up a monthly $501 push to it (with a pull back a week later). If that doesn't satisfy the requirements, then I'll open a CD. I was referring to another discrepancy in information, in this case their web site and one CSR I spoke to said there was $1,000 minimum for a CD, however Mr. Roper pasted an email that he received which stated that there was no CD minimum. To be clear, my question to the CSR was geared more toward what the minimum CD term was to keep the current card terms, not the minimum dollar amount. It states on their website that the minimum dollar amount for a CD is $1K.
  4. Here is an email reply I got from a CSR when I emailed my question. I don't see how this makes much sense for Penfed but this is what I got. Just open a 6 month CD and you don't have to renew it and you permanently get 5% and no AF. Thank you for contacting Pentagon Federal Credit Union. That is correct, if you establish a qualifying product with PenFed, you will continue to receive a 5% cashback reward for fuel purchases, as well as avoid the annual fee. For Money Market Certificates, there is no minimum principal amount or term required in order to qualify. Once you have qualified, your account upgrade will not expire upon your Certificate's maturity date. If you need further assistance, please contact us.
  5. I just got my first Citi card. I was approved for $6K and I plan on using it just for a couple of 0% balance transfers. How liberal is Citi with CLI'S? Do I have to wait a few months before asking? Do they have a button on their website to request a CLI? Thanks for any advice.
  6. Not sure I buy this since the email clearly says that accounts will be evaluated monthly for qualifying products... So then color me confused. Maybe I'll call again later in the week and talk to a different CSR.
  7. Hey guys, I haven't posted here in a long time, but I just wanted to share my experience. I spoke to a CSR today from Penfed about the changes going on because I got the letter but I also wanted to be 100% sure about keeping the 5% and no AF. She said I don't have to renew the CD to keep the 5%/ 0 AF...that I would be "grandfathered" in. I really don't need another checking account so the 6 month CD is my best option. I can't close this card either because it's my largest CL by far.
  8. EDIT: Forgot to say, I've received nothing in the mail about the rewards program changing and the CSR says the program hasn't changed. I guess the wording for the rewards just magically changed on my account.
  9. I'm trying to understand why I'm not getting 4% rewards on my Lukoil Mastercard anymore. The wording on my account changed. All it says now is 1% on non-gas purchases. Nothing about 4% on gas. I used to get 4% rewards on every Lukoil gas purchase and when I reached $20 in rewards, they would mail me a certificate for $20 worth of free gas. Now, I haven't gotten any rewards on my last three purchases, and the name of the gas station is not coming up as Lukoil anymore on my credit card account, even though all the signage outside says Lukoil. I've been going to the same Lukoil for 3-4 years which is about as long as I've had the Lukoil card right near where I live. Add to that, on Barclay's website, the Lukoil card is not even offered anymore and the gas station used to have signs all over the place advertising the Lukoil credit card which are gone now. I've emailed them and called them and not a lot of help either way. On the phone, they say it's still a Lukoil gas station. I have $18 in rewards sitting in my account and now I don't know what happens when I reach $20. I've never used the card for anything else except Lukoil and always PIF.
  10. I was wondering if anyone has a customer service phone number for Barclays/Juniper besides the one on the back of the card? Thanks in advance.
  11. Going to see some family around Thanksgiving (Wed 11/24 thru Mon 11/29.) The rental car prices at the airport are extremely high. Around $256 for the 5-6 days that I need. I found an Enterprise rental location near my parents house. They have a weekend special for $9.99/day for Friday 11AM thru Monday 11AM. Comes out to $33 for an economy car. So I booked that (can always cancel it if need be.) Then, I had an idea to look at the same location for a rental for Wed 10:30 AM thru Fri 10:30 AM. It would be roughly $82 with a coupon I have. So it would be a total of roughly $115 vs $256 at the airport. Do you think Enterprise would let me do this? Let me rent a car at one rate, return it, then get the same car for the weekend special rate?
  12. I was positive I was going to close it if they don't waive the AF. Now I'm not so sure. I barely use it, once every few months just to get some activity. But it is a $3000 CL. I'm really torn about my Hooters.
  13. So I've had the Hooters card for over 3 years now, never late, always PIF, $3000 CL. I got the letter stating that I will now have a $48 annual fee and I have until 12/14 to decline and close the card. My brother (who just rebuilt his credit) applied for and got the Hooters card with a $600 CL and no annual fee. When he told me he had no AF I was stunned. How can they not charge an AF to a new customer but add a AF to a customer with 3+ years with them? I really hate to lose the $3000 CL from Hooters, but I promised myself a long time ago I would never again pay an AF after I rebuilt my credit. Gonna call Hooters soon in a few days and ask them to drop the AF. Why would they give a new customer no AF and hit longtime customers with an AF?
  14. Just checked my Penfed account and my car loan has showed up on there. I can sleep a little better now. Just have one more question. When I was signing all the papers at the dealership, the F & I guy said, "once the check clears, you can come back here and tear up the NMAC contact". I asked him what do I need to show him as proof that the check cleared. He said I have to ask Penfed. So what constitutes proof that this check has cleared? Thanks for everyone's advice here. If it wasn't for this board, I think I would have really driven myself crazy (and that's a short drive!)

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