Joined PenFed yesterday. Applied for auto loan and Platinum Rewards Visa Signature today and got pending loan officer both times. My heart was POUNDING the entire time because I thought it would be a denail. I kept refreshing page but nothing happened lol.
Downloaded the APP and logged out from the site because I got tired refreshing 
. Started looking on MyFico for what pending meant and I saw it could be for another 24-48 hours and a possible denail. I couldn't take waiting so I logged on to the app and saw both apps APPROVED but I wasn't sure because I logged back on to the website and saw both apps still pending. 
Confused I decided to click on "continue" and the thing said loan documents loading. Clicked on it and e-signed it, submitted and APPROVED. Did the same thing for the auto loan and was APPROVED @ 2.99% APR which is farrrrrrrr better than the 12.90% I now have. BYE BYE WELLS FARGO and hello PenFed.
Platinum Rewards Visa Signature approved for $5500
Now I'm really going to sit my tail in the garden 
until I am ready to buy my home in 2017