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VERY DECEPTIVE!!! BE WARY. Their acclaim calendar that gives 5% aback on gas and 3% aback on advantage absolutely is FAR less. When you try to banknote in those points, they tack on a 900 point fee per anniversary $50 allowance card. In added cards for 5000 points, you get a $50 calendar BUT with PenFed, you charge to use 5900 credibility to get a $50 card. From there, it aloof gets worse in amount should you get ‘other’ rewards. This absolutely seems to be cheating their customers… and the aggregate of their barter are aggressive so they are shafting their own troops!!

When you alarm to redeem points, be able for hassles galore, starting with their buzz messaging. They accept their bases covered with answers like some acceptable con-man who is active a adumbral deal. They accumulate the brawl rolling according to THEIR calendar and not yours. Their cyberbanking is not abundant better. They nickel and dime you for everything… $1 cardboard statements, $5 to pay your bill by the phone. Their computer arrangement and buzz arrangement are aged and about the affliction I accept apparent for a banking company. What do they do with all these accuse actuality and there, acclaim unions are not accountable to the aforementioned taxation, etc. that banks are. They are money authoritative machines… at YOUR expense. When you get bottomward to it, you are accepting about 4% net aback on gas and not 5%, and on advantage 2% net, not 3%.

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