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retmil
- Senior Member
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posted: Sep. 18, 2009 @ 9:48p 
PugRanch said:Can anyone tell me if diesel purchases at the pump earn 5% rewards? Thanks!
Yes |
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mattun
- Senior Member
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posted: Sep. 21, 2009 @ 1:48p
cyberkost said:My credit card application status switched from "PENDING" to "TURNED DOWN" ... that's with six digit HHI (they've seen it documented), FAKOs around 800, and everything paid in full each month. First round of talking to the CSR got me nowhere except finding out that the reason was too much of available credit (about $300K) and that they would recommend me to get it down to about $100K. Did anyone successfully deal with a situation like that? If so, what were the steps? I'm thinking of "hey guys, if you're so concerned, how about me opening a deposit account with $20K balance and you approving me for a $20K CL?" Rejected here asking for $500 limit. I have pretty similar numbers as you, so the low limit strategy apparently is a FAIL. I don't particularly want to do a bunch of balance transfers just to get a new 5% gas card because the most convient gas station by me decided not to take AMEX anymore. |
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cyberkost
- Ancient Member
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posted: Sep. 21, 2009 @ 7:27p
I sent them a fax presenting a logical argument that if anything, it is safer to extend a credit line to somebody who has a lot of (unutilized) credit (all other things being equal). That, together with the explanation that my request of $50K CL was nothing else but confidence in my credit profile (and that I'd be interested in getting the card even if the CL is substantially lower) made them review the app again. It's still pending ... I don't have illusions, it's still more likely to be denied than approved, but I'm going to give them a call (if I get a chance) to see where we're in the movie ... |
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fatlard
- Senior Member
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posted: Sep. 24, 2009 @ 10:48a
I just funded my shared account using a credit card for $5. Did I just do a cash advance? How much damage in fees did I incur. Do I need to keep a minimum in the shared account? |
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fatlard
- Senior Member
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posted: Sep. 24, 2009 @ 11:10a
I just called PenFed. As of 6 months ago.. the funding of the account is now consider a purchase and no longer a cash advance! |
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jameshasty
- Senior Member
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posted: Sep. 24, 2009 @ 11:13a
In addition to the $20 membership fee I also funded $20 into my membership account about a month ago. My Chase Freedom card counted the entire $40 transaction as a purchse. |
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fatlard
- Senior Member
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posted: Sep. 29, 2009 @ 9:52a
So I am reading through the fee schedule of the Regular Shared Account. Correct me if I am wrong, do I need a minimum of $500 or direct deposit to avoid the monthly service fee? As of right now I only have $5 in there. |
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howie888
- Member
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posted: Sep. 29, 2009 @ 11:23a
fatlard said:So I am reading through the fee schedule of the Regular Shared Account. Correct me if I am wrong, do I need a minimum of $500 or direct deposit to avoid the monthly service fee?
As of right now I only have $5 in there. Where did you get this? I didn't get any notice in the mail, did you? |
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Moosy
- Senior Member
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posted: Sep. 29, 2009 @ 12:13p
fatlard said:So I am reading through the fee schedule of the Regular Shared Account. Correct me if I am wrong, do I need a minimum of $500 or direct deposit to avoid the monthly service fee?
As of right now I only have $5 in there. As far as I know this is for the checking account not the savings. |
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fatlard
- Senior Member
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posted: Sep. 29, 2009 @ 12:22p
howie888 said:fatlard said:So I am reading through the fee schedule of the Regular Shared Account. Correct me if I am wrong, do I need a minimum of $500 or direct deposit to avoid the monthly service fee?
As of right now I only have $5 in there.
Where did you get this? I didn't get any notice in the mail, did you? Yes I did get a notice on the in the mail. It is also listed on their website https://www.penfed.org/productsAndRates/serviceFees.asp |
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psychoslowmatic
- Member
rated:
posted: Sep. 29, 2009 @ 1:14p
fatlard said:howie888 said:fatlard said:So I am reading through the fee schedule of the Regular Shared Account. Correct me if I am wrong, do I need a minimum of $500 or direct deposit to avoid the monthly service fee?
As of right now I only have $5 in there.
Where did you get this? I didn't get any notice in the mail, did you?
Yes I did get a notice on the in the mail.
It is also listed on their website
https://www.penfed.org/productsAndRates/serviceFees.asp The service fee is clearly listed under "Checking Account Services" |
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c3
- Senior Member - 2K
rated:
posted: Sep. 29, 2009 @ 1:32p
or if you want to have the monthly statements mailed |
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cyberkost
- Ancient Member
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posted: Sep. 29, 2009 @ 3:38p
cyberkost said:I sent them a fax presenting a logical argument that if anything, it is safer to extend a credit line to somebody who has a lot of (unutilized) credit (all other things being equal). That, together with the explanation that my request of $50K CL was nothing else but confidence in my credit profile (and that I'd be interested in getting the card even if the CL is substantially lower) made them review the app again. It's still pending ... I don't have illusions, it's still more likely to be denied than approved, but I'm going to give them a call (if I get a chance) to see where we're in the movie ... Was reconsidered for $15K CL, but was still denied after re-sending 2008 W-2 and the latest 2 paystubs (these guys did not want to go by my Aug paystubs they requested for the 1st round!) ... Go figure (mid-100K HHI, no mortgage, 800 FAKO, no high balances on existing lines) |
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psychoslowmatic
- Member
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posted: Oct. 4, 2009 @ 12:42a
Didn't Penfed used to offer a travel Platinum Rewards card in addition to the gas card? Went to look it up tonight and it seems to have vanished. |
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SidewinderX
- New Member
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posted: Oct. 18, 2009 @ 10:19p
Just applied for the card, asked for a 5K credit limit |
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KentWang
- Member
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posted: Nov. 11, 2009 @ 1:39p
How hard is it to get this card? My girlfriend is 21 and has no credit. |
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depreshun
- Member
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posted: Nov. 11, 2009 @ 2:17p
KentWang said:How hard is it to get this card? My girlfriend is 21 and has no credit.
Hard, IMHO!
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bigbearballs
- New Member
rated:
posted: Nov. 22, 2009 @ 12:05a
Is there a better card out there for rewards than this? This seems like a good deal. |
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