I noticed PenFed in a signature here and I went over there to see what it was. I think I want to join. I know I can’t app a card right now but I could establish my account for when I do decide to app them. Is it a HP to open the account? Is it worth it?I was looking at NFCU but my relative who was in the Military isn’t a member and is not interested in doing so. I don’t know if PenFed does it the same way though. I started my app and then left. I just got an email from them asking if I wanted to finish my app. Should I?