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Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012

Denied PNC Cashbuilder.

Blah. I actually wasn't expecting to be approved, but then I had hope since I was already a member of their bank, but still got declined. Pathetic lol. What's PNC's rep with recons? And does anyone have a backdoor number?

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Denied PNC Cashbuilder.

Im pretty sure i just read a post this week where someone successfully reconned for the same exact card. Give it a try, worst they can do is say "no"

I dont think we have a BD# for them, so if you cant find one call up and ask to be transferred to an underwriter.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012

Re: Denied PNC Cashbuilder.

I just called the CC Department of PNC, I told them I was denied and wanted to know who I'd have to speak to for recon, and they said that department was gone for today but to give them a call on Monday.  He then gave me the direct number to Underwriting. I'll give them a call on Monday and let you know what happens. :smileywink:

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Denied PNC Cashbuilder.

Good luck!

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: Denied PNC Cashbuilder.

Did you make sure to sign in when applying? PNC takes a current relationship into consideration when apply for a card. They really want the card to compliment a deposit account, so if you have one, they are really good about giving you a card.

Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012

Re: Denied PNC Cashbuilder.

I called and 1) the lady didn't exactly seem like a people person. 2) all she kept saying was I opened too many accounts recently/ I wasn't qualified.

I asked if there was any way they could still reconsider my app and asked if there was any way around the 'too many recent accounts' and all she said was no. Again, not exactly a people person so yous can imagine how the conversation went lol.

Should I give them another call later with hopes of someone else picking up.?
AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Valued Contributor
injustifiiable
Posts: 1,846
Registered: ‎03-30-2012

Re: Denied PNC Cashbuilder.


WallyxD wrote:
I called and 1) the lady didn't exactly seem like a people person. 2) all she kept saying was I opened too many accounts recently/ I wasn't qualified.

I asked if there was any way they could still reconsider my app and asked if there was any way around the 'too many recent accounts' and all she said was no. Again, not exactly a people person so yous can imagine how the conversation went lol.

Should I give them another call later with hopes of someone else picking up.?

I'd try again...you got a bad apple. lol

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $2750
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Denied PNC Cashbuilder.

I would definitely call back and talk to someone else.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: Denied PNC Cashbuilder.


WallyxD wrote:
I called and 1) the lady didn't exactly seem like a people person. 2) all she kept saying was I opened too many accounts recently/ I wasn't qualified.

I asked if there was any way they could still reconsider my app and asked if there was any way around the 'too many recent accounts' and all she said was no. Again, not exactly a people person so yous can imagine how the conversation went lol.

Should I give them another call later with hopes of someone else picking up.?

I reckon their credit underwriters and dispute people do not get many conversations with customers. I have spoken with both and while they are professional, you can tell that they do not speak to people on the telephone a lot. You only have two cards, so they deem that too many?

Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012

Re: Denied PNC Cashbuilder.

I will give them a call back after work. Is there anything in particular that will help sway them to manually review my app.?
AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)

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