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Called PenFed, unfortunately they denied my app due to limited credit history. At this point, the only real approval I have received is that 7.49%. I spoke with my representative over there who informed me again that GAP is a requirement or he will not be able to help. Gave me a 24 hour time frame to make my decision (LOL).
His high pressure sales tactics are evident, and certainly not ideal. I have held off on my decision with him, yet after receiving the denial from PenFed, his 7.49 rate is better than I have currently. Would it be a mistake to move forward?
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