topic Re: PNC Points in Credit Card Approvals

PNC Points

nccarguy1 — Mon, 31 Aug 2020 19:38:18 GMT

I've banked with PNC for just over a year. Gave up on BofA after 20 years and moved on. App's for the Points Visa Signature on Sunday and it went to pending. I got a call at 8:45 this morning was an unknown (844) number. Introduced as underwriter from PNC and asked if I had a few minutes to verify information. I was expecting financial information, but no. She asked me to verify my zip code and said she was sending a text to my phone with a code and that she would hold while I received it. I gave her the code and she asked me to verify my mailing address for the card. Said I was approved and would recieve the card in 5-7 days.

About a minute later I got an email from applications@pnc with approval. $20,000 @ 14.99% 50,000 points after $750 spend. Of course these points are worth @$125. Thought the verfication process was odd as I bank with them, have been on current job over 7 years and have lived in my home for 20+ years.

Even though I bank with them I haven't really had a need to contact them for anything but could not believe the really low mobile banking deposit limit when I first started with them. I deposit expense reimbursement checks and had to use my USAA checking account for the first 6 months. Now the daily limit is $10K. Be warned if you are switching banks and are used to high mobile deposit limits.

I believe they used Equifax but haven't recieved score notification yet. 14 inquiries.

Re: PNC Points

CreditAggie — Mon, 31 Aug 2020 19:47:40 GMT

Congratulations on your PNC Points approval!

Re: PNC Points

AllZero — Mon, 31 Aug 2020 19:47:45 GMT

Congratulations on your approval!

Re: PNC Points

blindambition — Mon, 31 Aug 2020 19:56:02 GMT

Congrats on your approval!! That verification process is becoming quite common, in some form or another. Even with lenders you've had previous relationship. 👍🏻

Re: PNC Points

gdale6 — Mon, 31 Aug 2020 20:04:31 GMT

Grats on your PNC approval

Re: PNC Points

M_Smart007 — Mon, 31 Aug 2020 20:10:52 GMT

Congratulations on your PNC Approval..

Re: PNC Points

M_Smart007 — Mon, 31 Aug 2020 20:12:23 GMT

@blindambition wrote:
Congrats on your approval!! That verification process is becoming quite common, in some form or another. Even with lenders you've had previous relationship. 👍🏻

+1 on the verification process! IME

Re: PNC Points

cashorcharge — Mon, 31 Aug 2020 20:27:29 GMT

Congratulations on your excellent approval!!

Re: PNC Points

MyFault — Mon, 31 Aug 2020 20:42:33 GMT

Congrats on your approval!

For being one of the "big banks" i really liked PNC when i lived where they offered brick and mortar. I switched to BofA when i moved to TX since PNC isn't here and it was an absolute nightmare, plus half the perks (no atm fee reimbursements).
Luckily i was eligible for NFCU because of my father, and i haven't looked back since.

Long story short, enjoy the PNC card. I think they're one of the few good banks.

Re: PNC Points

coldfusion — Mon, 31 Aug 2020 21:47:35 GMT

Congrats!

Also, if you don't see a HP on EQ look to see if they pulled EX. PNC likes to pull from EX.

Re: PNC Points

TSlop — Tue, 01 Sep 2020 00:57:21 GMT

Congrats on your approval!

Re: PNC Points

Credit4Growth — Tue, 01 Sep 2020 01:00:17 GMT

Wow! Congrats all around on the SL %rate and SUB!Hooray!

Re: PNC Points

mrcraft — Tue, 01 Sep 2020 02:54:50 GMT

Congratulations on your approval!!

Re: PNC Points

Anonymous — Tue, 01 Sep 2020 03:19:20 GMT

Congratulations on your approval! PNC is a great bank. I'm not familar with the PNC points card as I have the PNC cash rewards visa but they were very generous with the starting limit and gave me a $5000 CLI after 6 months of use. They are very much about loyalty to them.

Congrats again!

Re: PNC Points

Anonymous — Tue, 01 Sep 2020 03:28:54 GMT

Oh, by the way.... be on the look out for a HP on experian.

For me, they pulled Experian Fico 9

Re: PNC Points

Credit4Growth — Tue, 01 Sep 2020 05:06:42 GMT

@Anonymous wrote:
Oh, by the way.... be on the look out for a HP on experian.

For me, they pulled Experian Fico 9

Yes, they have been known to pull Experian reports on my area. Thanks!

Re: PNC Points

rgate88 — Tue, 01 Sep 2020 21:00:35 GMT

Congrats on the approval! I got the Cash Rewards card in March and they gave me $25k. I didn't have the approval process you had though, it was instant. They also pulled EX for me. I wish their bonuses were better on the cards though. They're my primary bank and I've been very happy with them for the last 7 years.