Oh my... since my Credit Score increased a few weeks ago, I've been receiving more and more of these letters. Today this one surprised me, Mission Fed?! What!! I went into Mission Fed a few years ago and did not qualify for a car loan, so I had to get a car loan for 12.5% APR. Silly Frugal Penny, she was naive, but she needed a car. Today I got pre-approved for 50k, kinda makes me want to get that White Tesla Model S 😉🤪. But no, thanks but no thanks.