For the last few months, PenFed has started marketing products to me, with more regularity and frequency. When I joined, my scores were below 700 with a negative account showing on the Equifax report. So, while I desperately wanted to refinance a car loan with them, PenFed turned me down. I went elsewhere and rebuilt my credit while time clicked away at the negative entry on the report.
So, I went back and clicked Apply a couple of days ago:
But I had been torn between two cards, so i went back and checked to see what the answer would be for the Amex card that earns 5% on flights:
There has been no request for any proof of income, but if they ask for it later it wouldn't be a problem either. I chatted with a CSR about a preapproval that popped up for refinancing, but the vehicle I'd refinance is already at 1.99%, and due to the model year PenFed's rate would also be 1.99%, so it didn't make a lot of sense to refinance right now. I guess my rebuild is basically complete.