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PenFed Credit Cards Review

Reviews 1,447
PenFed Pathfinder
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PenFed Pathfinder
PenFed Pathfinder
Excellent
Reviews 1,447
Michael Graw
Jul. 03, 2022
3 min read
Michael Graw
PenFed Pathfinder Summary
PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

Pros

  • Choose from 4 credit cards
  • 0% promotional APR for balance transfers
  • Apply online and get a decision instantly

Cons

  • Requires good to excellent credit score
  • Must open a savings account to become a PenFed member

PenFed Pathfinder at a glance

4.2
Editorial score

Fees

Multiple fees
3.0

APR

Doesn't cover bad credit
4.0

Security

NCUA insured, offers multiple security features
4.0

Customer service

24/7 service with multiple communication options
5.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
5.0

PenFed Gold PenFed Gold Apply Now

Overview

PenFed is a credit union established in 1935 to serve members of the military. Today, anyone can join PenFed by opening a savings account. The credit union has more than 2 million members and manages more than $25 billion in assets. It offers banking, loans, mortgages, and 4 Visa credit cards. PenFed is Insured by NCUA and is an Equal Housing Lender.

PenFed’s credit cards stand out for their combination of low fees and generous rewards. All of the cards come with Low APR for balance transfers. Rewards can take the form of cash back or points, and the cards offer different levels of rewards for spending categories like gas, groceries, and restaurants. 

PenFed offers 0% APR promotional balance transfer rate for 12 Months on transfers made from now until September 30, 2021. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Suitable for?

PenFed is suitable for a wide variety of people. The promotional APR for balance transfers on all credit cards is a major plus for anyone looking to transfer their balance from another card. In addition, 3 PenFed credit cards offer rewards programs. Three of the cards come with bonuses if you spend at least $1,500 in your first 90 days. 

PenFed Power Cash®

The PenFed Power Cash Rewards Visa Signature® offers a $100 bonus statement credit when you spend at least $1,500 in the first 90 days. All cardholders receive 1.5% cash back on purchases, and PenFed Honors Advantage members receive 2% cash back. To become an Honors Advantage member, you must be an active member of the military or have an active PenFed checking account.

PenFed Pathfinder®

The PenFed Pathfinder® Rewards Visa Signature® is PenFed’s most generous rewards card and is most suitable for travelers. You get 50,000 bonus points when you spend $3,000 in your first 90 days, and the card offers 3 points on travel spending (4 points for Honors Advantage members). All other purchases earn 1.5 points. 

PenFed Platinum®

The PenFed Platinum Rewards Visa Signature® offers extra points on gas purchases at the pump and supermarket purchases. You get 5 points for gas purchases at the pump and electric vehicle charging stations; 3 points for supermarket purchases, restaurants/dining, and cable, satellite and other television/radio/streaming services; and 1 point for all other purchases. The card also comes with a New Acquisition Bonus: 15,000 points after $1,500 spent during the first 3 months of card open date.

PenFed Gold

The PenFed Gold Visa® is a simple credit card that doesn’t offer a rewards program. The main advantage is that the interest rate for purchases on your balance can be as low as 7.49%. You can qualify for a $100 statement credit when you spend $1,500 in your first 90 days.

Card Comparison


Rewords ProgramBonus OfferInterest Rate (APR)Best For
Power Cash1.5% cash back (2% for Honors Advantage members)$100 when you spend $1,500 in your first 90 days14.99% - 17.99%
Cash back
Pathfinder3x points on travel (4x Honors Advantage members) 1.5x points on all other purchases50,000 points when you spend $3,000 in your first 90 days14.99% - 17.99%¹
Travel rewards
Platinum5x points on gas purchases at the pump 3x points supermarket and other purchases* 1x points on all other

$100 when you spend $1,500 in your first 3 months
13.49%-17.99%
Gas and groceries rewards
GoldNone$100 when you spend $1,500 in your first 90 days
7.49% - 17.99%
Low interest rate

*see full PenFed Platinum rewards details detailed in the paragraph above.

The Application Process

You can apply for a PenFed credit card online. To get your credit card, you will need to become a PenFed member by opening a savings account with a minimum deposit of $5, but you can apply and find out if you will be approved without becoming a member. Enter information about yourself, your employment, and your income. You can also add authorized users to your account, and they will receive their own credit cards. PenFed will verify your identity and run a soft credit check, which doesn’t impact your credit score.

Once your application has been submitted, you could get an approval decision and interest rate offer as quick as in 20 seconds. If you accept the offer, PenFed will send your new credit card in 7-10 business days.

Help & Support

PenFed offers customer support by phone, live chat, and through a secure online messaging system. The PenFed website also has detailed help pages that explain how to apply and manage your credit card account.

PenFed’s phone number for customer support is 1-877-856-9690.

Phone call hours: 7 am-11 pm (ET) Monday-Friday, 8 am-11 pm Saturday, and 9 am-5:30 pm Sunday.

Security

Your PenFed credit card is secured with an EMV chip, and you can report your credit card as lost or stolen at any time. PenFed credit cards are also backed by Visa’s Zero Liability Policy*: PenFed's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

FAQ

Do PenFed credit cards work with Apple Pay?

Yes, PenFed Visa cards are compatible with Apple Pay, Samsung Pay, and Google Pay.

How do I redeem points from my PenFed credit card?

You can redeem points earned with your PenFed credit card through Visa’s online points center.

How do I become a PenFed member?

Anyone can become a PenFed member by opening a savings account and depositing at least $5.

PenFed Gold PenFed Gold Apply Now

Conclusion

PenFed offers 4 Visa cards that suit a wide variety of needs. Three of the cards offer rewards for different spending categories, while the fourth comes with an interest rate as low as 7.49% APR. All 4 cards come with a low APR balance transfer promotional offer. You can apply for a PenFed credit card online and get a decision right away. 

Methodology

This review was completed using information from the PenFed website and support documentation.

** Zero liability disclosure: 

Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

http://www.visa.com/security.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about PenFed Pathfinder
PenFed Pathfinder
Excellent
Reviews 1,447
on
Excellent
83%
Great
5%
Average
1%
Poor
1%
Bad
10%
G
gh
8 days ago
Very easy to work with and overall…
Very easy to work with and overall pleasant experience.
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tonia honeycutt
8 days ago
Worst people to deal with
Worst people to deal with
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jean trudell
8 days ago
Every experience with Pen Fed has been…
Every experience with Pen Fed has been professional, knowledgeable, friendly, fast and efficient. Rates and products are very competitive. Highly recommend.
S
sammy delgado
9 days ago
Great Experience!
Great Experience!
R
reynaldo rivera
9 days ago
Easy to work with
So easy to manage request and see what you are getting before hand. No tricks, plain and simple
c
customer
10 days ago
They helped me a lot over the years…
They helped me a lot over the years with my student loan and personal loan good company.
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manjo quintanilla
12 days ago
Convenient and easy
Penfed is the most user friendly and convenient financial institution to work with when needed. The customer experience is unmatched to any other bank--most importantly fair!
T
timothy dye
16 days ago
"Exceptional Service and Competitive Rates: My Positive Experience With PenFed"
Overall, PenFed stands out for its exceptional customer service, competitive financial products, convenient online banking platform, and dedication to giving back to the community. These factors contribute to a positive customer experience and make PenFed a company that customers can trust and rely on for their financial needs.
M
michael navarro
16 days ago
Fraud Company
Fraud Company At first the experience was great, it felt easy and I got approved for a car loan. However, good luck getting the actual loan. Online and call support doesn't really exist, everything is scripted from the agents. I lost my down deposit on a car from Carvana thinking I would be able to use the loan from Penfed for it. At first Penfed inform me they do not sign any papers then they told me they do after wasting so much of time with multiple agents, but because of the verbal used in the contract from Carvana they would not sign. I asked the agent a few times what verbal does it need to be? That way I can ask Carvana to change it. She would not give that information for "legal" rights. How am I suppose to get the contract signed then? I asked about getting an image for the blank check, she did not understand. I called again. The supervisor would not send a copy of the image for the blank check. I have to wait to receive it in the mail, by then I will lose the deposit. Horrible service.
I
isaias henriuqez
17 days ago
Easy to navigate website
Easy to navigate website, self explanatory, not complicated, good job!!
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clay loveless
19 days ago
Great company willing to work with me…
Great company willing to work with me and I appreciate it.
c
customer
19 days ago
Quick and easy!
Applied for a personal loan and the process was extremely quick and easy! I would highly recommend PenFed for your banking needs!
E
evelisse rios
19 days ago
La experiencia fue rápida excelente…
La experiencia fue rápida excelente concisa y clara
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milton vasconcelos
20 days ago
Easy process
Easy process, application easy friendly and best rate than big name banks
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norbert kouame
23 days ago
The credit application went the way it…
The credit application went the way it said it would.
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hector valencia
24 days ago
Everything was so easy to work
Everything was so easy to work
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mark t. carboni
24 days ago
Money is not safe
August 28 the PenFed team withdrew $1500 in error. Eight days later Cindy has not been able to get it fixed. She is a one woman show. Received an email that they acknowledge the error however for having 2.9 million member and 35.3 billion in assets they not only can’t fix this error finding a manager has take over 7.5 hours today and still at a loss finding one. Do you feel like your money is safe? You shouldn’t.
M
msjjo
a month ago
The application process was extremely easy and it took a minute or two but it's everything worked out okay
Easy process and wonderful customer service
I
integrity first
a month ago
Don't understand the positive reviews
I don't know what all the positive reviews are based on. I've had a credit card with PENFED for about 4 years. The bank is markedly behind every other financial institution I've interacted with, from a technological service standpoint. Even the smallest tasks/requests are consistently difficult to accomplish. The latest example: "After" answering many questions to verify my identity, I still had to upload a copy of a utility bill to access my account. Then I had to wait a few days, and phone their customer service 3 times, before they looked at my utility statement & restored my access. The only reason why PENFED required me to do all of this? Because I had a new phone number. Now I'm in the process of closing my account - but even that is considerably more complicated than they said it would be, when I asked them how to do it.
W
wardell harris
a month ago
Penfed is one of the best credit unions…
Penfed is one of the best credit unions out there
J
jose
a month ago
GREAT.RAPIDO FACIL
GREAT.RAPIDO Y FACIL
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tangelia gilbert
a month ago
Excellent benefits and rewards
Excellent benefits and rewards
S
sweemama
a month ago
Bad Customer Service…
This is for the Bad Customer Service from The Joke of loan originator to his boss and oh and let's not forget their RE representative! I'm in the industry and a professional and they were completely incompetent! I had to push/probe for answers and results, and they were actually bothered that I knew the process and was not giving up! I suggest Looking elsewhere for better rates and good customer service, they were horrible!
M
mike smith
a month ago
Horrible
Horrible. Sent me a pre approved credit card offer. Signed up for it knowing it would lower my score. Then they asked me for a bunch of information that has nothing to do with being pre approved. Pre selected at best. Stay away from their credit card offers
D
doc
a month ago
This is a very good credit union
This is a very good credit union. They are eager to take good care of their regular and new customer base. They offered to call me when it was good for me to learn about revenue generating products that they off. So far so good when dealing with the PenFen folks.
J
james anderson
a month ago
Deposit and transfer from an external…
Deposit and transfer from an external account took twice as long as stated.
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mary jane cosme jane
a month ago
Very simple yet sage
Very simple application process and they do a very good identity verification. Fast approvals.
N
nulca bloise
a month ago
Todas mis cuentas las mude a este banco…
Todas mis cuentas las mude a este banco porque todo lo que ofrecen es mejor que en otros bancos. Es muy importante tener buen credito. Entras a su pagina y comparas!!!! Muy satisfecha!!!!
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grace beharry
a month ago
Service
Excellent customer service
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john bandy home
a month ago
Difficult to complete application.
The product looks like a good product. It seems difficult to apply for the product.
D
dennis dunn
a month ago
APPROVED!
Penned is a well known and respected credit union and I was accepted!
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adriana montroy dixon
a month ago
Welcome to our Family
PenFed is a well respected financial institution. They offer many great services. The credit card application process was easy and quick. I am so happy to welcome them into my family!
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carlos esponda
a month ago
Everithing
I have Good experience cause' they approved me more than I expected
V
valeda hall
a month ago
Great experience
Over, incredible experience, ease of accessibility, and great customer service!
r
reaudi mills
a month ago
Competitive Credit Union
Great customer service and a great starting line of credit.
K
karl kilponen
a month ago
Excellent Credit Union
Pen Fed is a great company with exceptional service and great rates !! They've been good to me.
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alexander pabon
2 months ago
Good Rates and great service.
Good Rates and great service.
C
christine cartwright
2 months ago
Earned our familys business for a lifetime!!
The website is easy to navigate and the whole process from start to finish is a breeze. Keep up the good work we love our CU. You have earned my business for a lifetime. Cartwright Family
L
linda jackson
2 months ago
Good Company
The process was very easy and I am happy with them already. Generous credit line.
R
rudy carter
2 months ago
Penfed offers great rates and is very…
Penfed offers great rates and is very veteran-friendly.
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kimberly ganous
2 months ago
Found fraudulent charges on my checking…
Found fraudulent charges on my checking account called PENFED's fraud department spoke with Jose and was told that my debit card would be cancelled, to destroy it, and a new one issued. I was told to expect my new debt card in 7 to 10 business days. 10 days later when I called to find out when I could expect the new card, I was told PENFED had a "system's error" and no card was issued and my old card only had a "hold" on it. I was then told it would be another 5 to 7 business days for a new card. It's been 14 days since I first called PENFED. I have no way to access my cash and few places accepting checks in my local area. I requested over night delivery of the new debt card I was told it just wasn't possible. Poor service for a customer of over 38 years.
W
william ray
2 months ago
User friendly.
User friendly.
S
susan mcginty
2 months ago
Helpful, Patient, Pleasant
Everyone with whom I dealt was helpful and patient, not to mention pleasant.
M
michael kozemchak
2 months ago
Fast efficient and better rates than…
Fast efficient and better rates than other markets. No upfront costs from requested amount of the loan Example: Another institution loan for $20000 when approved would have kept approximately $2000 with me receiving $18000. Think of PENFED first
M
michael simpkins
2 months ago
Efficient
A very streamlined process from start to finish. Website was intuitive, I always understood request of me and results. Within minutes of applying, answer was provided allowing for an informed decision to be made on my end devoid credit impact before acceptance.
A
ariel
2 months ago
Fast and easy process.
Fast and easy process.
J
john l smith jr
2 months ago
I applied for a credit card via the…
I applied for a credit card via the PENFED website and the process was quick, simple and easy.
D
david burns
2 months ago
Smooth process and great rates!
I received an unsolicited offer from Penfed and almost discarded it. Instead I opened it and was pleasantly surprised by the rate on the credit card. I have good but not perfect credit. I applied and the process went very smoothly. I received my decision in a timely manner and was so pleased that I'm moving most of MT banking to PenFen.
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d norman
2 months ago
Solid financial institution
Since I've been a member of Penfed I haven't had any problems the app works great I haven't had any problems with my direct deposits and applying for different products and services through Penfed have been a breeze
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fitzroy tutein
2 months ago
Simple way of doing things
The process was easy and quick. I've never experienced anything like it. Thanks PenFed!
A
alejandro
2 months ago
Don't trust this bank
Don't trust this bank, they do not protect your money. I lost my iPhone and Wallet and within hours notified them, provided police report and proof of new iPhone purchase and they still denied my claim with no reason as to why. I am shocked every other financial institution assisted me and was able to credit me back my stolen unauthorized fraudulent activity except PenFed. I would think twice before opening account with PenFed as they do not protect your money.
M
melvin hernandez
2 months ago
The entire process was very user…
The entire process was very user friendly and quick, however; my credit card was received with a name error so I need it to be replaced with the correct information
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gidget delay
2 months ago
PenFed offers reasonable interest rates and truly supports military families
I have always enjoyed my dealings with PenFed. They have been here for me and my family on a few occasions and especially when we needed them. Firstly, the loan process was fast and answers on your application are within minutes. They offer several options to ensure the repayment is within your comfortable budget. Even with the crazy interest rates, PenFed tries to be reasonable. Lastly, on a personal note, I wish to thank PenFed for being there when I was medically retired from the military, PenFed was there to graciously supply us a grant to help us purchase our home. Without PenFed, we would have otherwise not been able to move forward with the home purchase. For that alone I will remain a life long customer. Thank you PenFed for all you do for us military active and veterans.
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keith williams
2 months ago
GOOD FOR EVERYONE!
PENFED. Is a great Financial institution. They have great products and even better customer service..PENFED is your LIFE long BANKING home!!
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dixie rutherford
2 months ago
The loan and credit card application…
The loan and credit card application processes are easy and fast. Any time I have had to contact them by phone they were knowledgeable and helpful. Also very friendly and patient.
K
koren brown
2 months ago
The credit card application was easy
The credit card application was easy, and a high credit line was offered.
R
r ortiz
2 months ago
The PenFed website a great experience …
The PenFed website is customer friendly, easy to understand. Their response to my application was quick. I am delighted with the service.
B
byron sneed
2 months ago
The best Credit Union or Bank I ever…
The best Credit Union or Bank I ever did business with.
J
jim n.
3 months ago
Fast easy
Fast easy, 24/7 do not know why anyone would go anywhere else.
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michael ritter
3 months ago
PenFed is awesome.
PenFed is awesome.
L
luz
3 months ago
I've been doing smaller loans with them…
I've been doing smaller loans with them and It's been quite easy to do online. It is fast and with in 3 day you have the money in your bank account. This time I did a larger amount to pay off all my credit cards and like always they didn't disappoint. Thank you PenFed.
S
shiela hill
3 months ago
Easy to apply and also was given other…
Easy to apply and also was given other options that I wasn’t aware of. I would recommend Penfed as they are amazing to work with and very trustworthy!
C
corey schappert
3 months ago
Nice honorable workers and good bank…
Nice honorable workers and good bank overall. Would recommend to anyone looking for good honest bank with equally good employees.
J
john
3 months ago
no comments.
no comments.
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brian jeffries
3 months ago
Their unsolicited pre-approval offers are a scam
After mailing me an unsolicited pre-approval for a Visa they declined me for the exact data elements that were in my credit report, on the date that they did the soft-pull to screen me for the pre-approval.. so then why send me a pre-approval they knew they would decline? Only NOW, they've put not just one, but TWO hard pulls on my Equifax, knocking 14 points off my credit score, in addition to the soft pull. This kind of false advertising should be prosecuted.
M
marie waters
3 months ago
Penfed is a great credit union
Penfed is a great credit union. They will take a chance on you and help you build even better credit. They offer good rates and products. I am a grateful, satisfied customer. Thank you Pen Fed.
j
joseph alfonso
3 months ago
Delighted The application process was easy and…
The application process was easy and they gave me a result on my application within minutes .
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mary purvis
3 months ago
Application
PenFed was very quick to respond to my application and email. They have very competitive percentage rates.
s
shawn shaw
3 months ago
Preapproval process was great
Preapproval process was great. No credit score ding. Interest rate was very honest. Fast and efficient process. Helped me get another loan when other lenders wouldn't. Great job Penfed CU.
M
mark co
3 months ago
Everything user friendly
Everything user friendly
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mitch read
3 months ago
Penfed highly recommend
Penfed is easy to use, informative, and technically extremely user friendly.
M
mostafa elsherif
3 months ago
I called FOR HELP and the assistant was…thanks
I called FOR HELP and the assistant was very helpful
K
kathleene pietrewicz
3 months ago
Quick and easy.
Quick and easy.
w
william reynolds
3 months ago
Fast
Fast, simple, and effective!
Y
yun
3 months ago
Credit card
Great credit card
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f m
3 months ago
Quick and easy loan process from start…
Quick and easy loan process from start to finish.
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dean stefano
3 months ago
My first time dealing with PenFed
My first time dealing with PenFed. Could not have gone better.
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psalm tehellyim
3 months ago
PenFed has a very smooth and fast…
PenFed has a very smooth and fast application and approval process. I’m very excited to be a member!
A
angélique francois
3 months ago
Love PenFed
They are easy to work with and I have a collection of services through them and they just keep making me happy! Definitely a benefit being a member. I tell everyone to give them a try!
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david tranhvan
3 months ago
Loved the online application and the…
Loved the online application and the service Will recommend to everyone in the family and friends
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theodore
3 months ago
The pre approval made the application…simple
The pre approval made the application easier I was approved for a high card limit ,can’t tell you much about the card because I just applied, so am giving it sometime to arrive.
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michael sullivan
3 months ago
Website was very easy to navigate
Website was very easy to navigate, rates were great, overall good experience
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a renee mcwhorter
3 months ago
Impeccable Service & A Top Tier Rate
"The ultimate measure of a man is not where he stands in moments of convenience and comfort, but where he stands at times of challenge and controversy..." Dr. Martin Luther King,Jr. Kindness, patience, long suffering are just a few core values I experienced with Mr. JOHN GRIFFIN III. Conversation after conversation his demeanor, tone and shared information remained respectful, encouraging and professional. Regardless of the time of day, length of discussions or the number of questions asked from me or my realtor, his service and team work was impeccable. As a first time homebuyer, it's a win win when you find a great mortgage product and experience great service. The first call with Bianca Kaufman I locked in an amazing rate! Our conversation was detailed and concise. She immediately completed my application and created a portal to unload documents. Thank you is such a so small phrase to express how assuring Mr. Griffin III was to me throughout this process. My experience is so unforgettable! I will forever and always remember his name and the service provided. He exemplifies the Mission and Values of the company extremely well. People will forget a lot about you, but they will never forget the way you made them feel. Dr. Maya Angelou
M
maria
3 months ago
Happy with company so far
Completing the application was very easy. Response to my application was fast. Telephone communication was very pleasant and helpful.
A
antonios stphens
3 months ago
Process very easy and was approved for…
Process very easy and was approved for high limit card.
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lisa rosario
3 months ago
If I could give them a zero I would
If I could give them a zero I would. Customer Service is rude and useless. They restrict access to my account, won't let me make a payment, and have the nerve to charge me a late fee. Stay away. I have never been through these headaches. And after over a month of contacting them, there is still no resolution. The inefficiency is unbelievable.
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carmelo vázquez
3 months ago
Súper fácil la aplicación y respuesta…
Súper fácil la aplicación y respuesta en segundos
A
al
4 months ago
Good service and kind
Good service and kind
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lisa lipscomb
4 months ago
Everything at PenFed was quick and very…
Everything at PenFed was quick and very easy to use.
D
donald montgomery
4 months ago
Easy application process quick decision making
Quick decision making on the application easy application process no problems applying online
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john valdes
4 months ago
Not having to jump through hoops
Not having to jump through hoops. But app needs work.
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glenn tomberg
4 months ago
They actually care about their members…
They actually care about their members and offer great products and services to them.
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richard fuhr
4 months ago
easy to do banking
easy to do banking
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alfredo rodriguez
4 months ago
Very professional 👍
Very professional 👍
Y
yonas gbout
4 months ago
This company has no respect
This company has no respect. They hang up on the phone When they respond, they're Disrespectful, rude. They said I had to pay 2,500 They said it was my final payment. After 2 months, they said to pay $1,200. I do not recommend this company. This company is a scam. The interest pay $7,000.
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seneca walker
4 months ago
Got My Loan
Was surprise to be able to secure a loan! Happy I did.
C
clarence
4 months ago
The website is very user friendly and…
The website is very user friendly and everything that I needed was available.
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shane walrath
4 months ago
I'm disappointed they tricked me into…
I'm disappointed they tricked me into getting a credit card with what seemed excellent rewards, only to find out the points are not 1 for 1. To get my first $100 cash back card, it cost me 11,760 points. So they are deceiving by saying 5% or whatever cash back, because that is not actually what you get. They devalue your points by 15%!
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warda ira
4 months ago
Don't try this company. I repeat don't ever try this company
Don't try this people, i repeat don't try refinance your car with this people. They will completely destroy you, they will make you miserable. DON'T TRY THIS PENFED CREDIT UNION for your own good. They will not send you no documents, nothing! They will destroy you. Stay away! I had my car for 4 years now and because of the malcommunication, they put a delinquent for the first time in my life in my credit report after i have continually paying, yesterday i found out they changed my payment because they putted an insurance on me and changed my monthly payment. I hate this company. Not talking about the customer service lady who will not even let you speak.i trully regret that i refinanced my car with them. I am full of regrets since i started dealing with this people.
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earl hirata
4 months ago
My application was processed expedient.
My application was processed expedient.