topic Re: Finally PNC Bank in Credit Card Approvals

Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:45:54 GMT

Greetings all. You all have done it once again. I check in from time to time, mainly because my credit approval world has been significantly limited. Well late last month, my student loans, a whopping $165,000 went poof (PSLF), so I decided to poke the bear one final time. I had applied to PNC over the years and they always came back with "your balances are too high". I knew it was always the student loan because that was the largest balance I had and it started at $120,000 but had blossomed into the dreaded $165,000. I first checked with a preapproval with Upgrade card which came back with 25k. I didn't take the bait and apply because I read that it was a bait and switch. Nevertheless that led me to CITI or PNC. I have 5 cards with CITI now so I said I'm going full throttle with PNC. Hit the apply button last night and got the dreaded 2 day message. I thought to myself that was clearly a denial because I've seen that message from them so many times. I decided to call underwriting this morning. I was told that I had to speak to a senior underwriter to verify some information. At this time, I knew I was going to be approved. They verified name, address and SSN and then you're approved. Not the starting limit I was hoping for but definitely not the rejection that I had gotten so many times before. I'm finally in with one of the few banks that I couldn't get in. Well I guess I was getting in one way or another, thanks to the BBVA sell to PNC.

DP: EX 754, 3 Inq/12 months, 1 Inq/6 months; 3 new accounts/12 months (9 months, 7 months, 2 months)

Re: Finally PNC Bank

M_Smart007 — Sat, 12 Dec 2020 15:37:24 GMT

Congratulations!

Re: Finally PNC Bank

GApeachy — Sat, 12 Dec 2020 15:37:34 GMT

@12njoy wrote:
Greetings all. You all have done it once again. I check in from time to time, mainly because my credit approval world has been significantly limited. Well late last month, my student loans, a whopping $165,000 went poof (PSLF), so I decided to poke the bear one final time. I had applied to PNC over the years and they always came back with "your balances are too high". I knew it was always the student loan because that was the largest balance I had and it started at $120,000 but had blossomed into the dreaded $165,000. I first checked with a preapproval with Upgrade card which came back with 25k. I didn't take the bait and apply because I read that it was a bait and switch. Nevertheless that led me to CITI or PNC. I have 5 cards with CITI now so I said I'm going full throttle with PNC. Hit the apply button last night and got the dreaded 2 day message. I thought to myself that was clearly a denial because I've seen that message from them so many times. I decided to call underwriting this morning. I was told that I had to speak to a senior underwriter to verify some information. At this time, I knew I was going to be approved. They verified name, address and SSN and then you're approved. Not the starting limit I was hoping for but definitely not the rejection that I had gotten so many times before. I'm finally in with one of the few banks that I couldn't get in. Well I guess I was getting in one way or another, thanks to the BBVA sell to PNC.

Congrats more on the sl going POOF! yay!!!!

Congrats on your snagging that card too....it's a great sl and hopefully you'll grow it pdq.

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 15:53:36 GMT

Thank you

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 15:55:53 GMT

@GApeachy Thank you. The Student loan is definitely the big story here.

Re: Finally PNC Bank

JNA1 — Sat, 12 Dec 2020 15:56:44 GMT

Congrats! The PNC Cash Rewards is in my regular rotation as well.

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:01:16 GMT

@JNA1 Thanks. I've read that they are pretty good on SP CLI's every 6 months. I'm hoping to jump on that train in 6 months.

Re: Finally PNC Bank

JNA1 — Sat, 12 Dec 2020 16:26:25 GMT

@12njoy wrote:
@JNA1 Thanks. I've read that they are pretty good on SP CLI's every 6 months. I'm hoping to jump on that train in 6 months.

They have been for me so far. I got a lower SL on mine I think because I applied at tr end of a 5 card spree last December. I had a ton HP's by the time I app'd for the PNC card, so they only gave me a $5K SL. I got a SP $3K CLI at 6 months and I'm eligible again on Christmas Day for another, so I'll let you know if I get another one. I hope I get mine over $10K this time.

Re: Finally PNC Bank

GApeachy — Sat, 12 Dec 2020 16:27:49 GMT

Awesome dp's and good luck on Christmas Day...nice present if you score! @JNA1 Let us know

Re: Finally PNC Bank

AllZero — Sat, 12 Dec 2020 16:29:05 GMT

Congratulations on your approval!

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:29:48 GMT

@JNA1 wrote:
@12njoy wrote:
@JNA1 Thanks. I've read that they are pretty good on SP CLI's every 6 months. I'm hoping to jump on that train in 6 months.
They have been for me so far. I got a lower SL on mine I think because I applied at tr end of a 5 card spree last December. I had a ton HP's by the time I app'd for the PNC card, so they only gave me a $5K SL. I got a SP $3K CLI at 6 months and I'm eligible again on Christmas Day for another, so I'll let you know if I get another one. I hope I get mine over $10K this time.

Thank you for the info and I hope you get that big CLI. I'll start using mine as soon as I get it for 6 months and hopefully I get a nice CLI. I had no prior relationship with PNC so I guess my SL is pretty good considering that.

Re: Finally PNC Bank

JNA1 — Sat, 12 Dec 2020 16:29:54 GMT

@GApeachy wrote:
Awesome dp's and good luck on Christmas Day...nice present if you score! @JNA1 Let us know

Will do!

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:30:39 GMT

@AllZero wrote:
Congratulations on your approval!

Thank you

Re: Finally PNC Bank

cashorcharge — Sat, 12 Dec 2020 16:41:07 GMT

That's terrific! Congratulations on your approval!!🎉

Re: Finally PNC Bank

gdale6 — Sat, 12 Dec 2020 16:52:52 GMT

Grats on knocking down the PNC door

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:56:44 GMT

@cashorcharge wrote:
That's terrific! Congratulations on your approval!!🎉

Thanks

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 16:57:22 GMT

@gdale6 wrote:
Grats on knocking down the PNC door

Thanks gdale.

Re: Finally PNC Bank

CreditMagic7 — Sat, 12 Dec 2020 17:08:35 GMT

Hey @12njoy I remember as you tried and tried with them over the years and it was like a bolted door for ya.

i mean i even managed to Finally been approved at some point only after my Experian FICO Score hit a plateau.

So this is Fantastic for you and good news to see.

Congratulations! on this PNC Approval and another schilling in the WIN column. Especially one that's long been elusive for you.

Re: Finally PNC Bank

gingerflower — Sat, 12 Dec 2020 17:15:29 GMT

Congratulations!

Re: Finally PNC Bank

12njoy — Sat, 12 Dec 2020 17:18:13 GMT

@CreditMagic7 wrote:
Hey @12njoy I remember as you tried and tried with them over the years and it was like a bolted door for ya.

i mean i even managed to Finally been approved at some point only after my Experian FICO Score hit a plateau.

So this is Fantastic for you and good news to see.

Congratulations! on this PNC Approval and another schilling in the WIN column. Especially one that's long been elusive for you.

Hey there my friend CM7. Yes this was a very long and hard fault battle. Thank you. I read your post and you're shaking things up I see. You have all the tricks of the trade so I know you'll be back atop Mount Everest very soon.