topic Re: Does PNC Care About Usage For CLIs? in Credit Card Applications

Does PNC Care About Usage For CLIs?

Anonymous — Sun, 15 Dec 2019 04:00:01 GMT

Does anyone know if PNC cares about card usage when requesting a CLI? My card isn't getting much use lately ($50/mo), thanks to WF Earn More Mall deals for gas. But eventually it will.

Also, do they do a HP? That's less important than knowing usage and whether I'd be wasting my time going for one.

Re: Does PNC Care About Usage For CLIs?

recoveringfrombk7 — Sun, 15 Dec 2019 04:06:14 GMT

Hubby just got a decent CLI (4k) via soft pull. Usage was on the higher end (60%+) from a balance transfer invitation for 0%, but we've been paying it down aggressively. We only bothered with the CLI in an attempt to get usage to a friendlier number. He does both business and personal banking with them and has for 10+ years.

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sun, 15 Dec 2019 04:24:59 GMT

@recoveringfrombk7 wrote:
Hubby just got a decent CLI (4k) via soft pull. Usage was on the higher end (60%+) from a balance transfer invitation for 0%, but we've been paying it down aggressively. We only bothered with the CLI in an attempt to get usage to a friendlier number. He does both business and personal banking with them and has for 10+ years.

Well, maybe it will be a SP for me at least. I do have a banking relationship with them as well. I can handle rejection, but it's like a slap on the hand lol.

Re: Does PNC Care About Usage For CLIs?

Semi_Lost_Hiker — Sun, 15 Dec 2019 04:46:25 GMT

@Anonymous wrote:
Does anyone know if PNC cares about card usage when requesting a CLI? My card isn't getting much use lately ($50/mo), thanks to WF Earn More Mall deals for gas. But eventually it will.
.

From my experience usage doesn't matter too much, but they might use it to determine SP vs HP.

@Anonymous wrote:
Also, do they do a HP? That's less important than knowing usage and whether I'd be wasting my time going for one.

The language on the screen to request a CLI should say (just before you hit submit). When it's a SP they specifically state that they will not pull your credit report and requesting one will not affect your credit score. If you get to the page before you hit "Submit" and it asks your your permission to pull a copy of your credit report then it is likely a HP.

Edit: Here is what the hard pull language looks like:

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sun, 15 Dec 2019 04:50:14 GMT

@Semi_Lost_Hiker wrote:
@Anonymous wrote:
Does anyone know if PNC cares about card usage when requesting a CLI? My card isn't getting much use lately ($50/mo), thanks to WF Earn More Mall deals for gas. But eventually it will.
.
From my experience usage doesn't matter too much, but they might use it to determine SP vs HP.

@Anonymous wrote:
Also, do they do a HP? That's less important than knowing usage and whether I'd be wasting my time going for one.
The language on the screen to request a CLI should say (just before you hit submit). When it's a SP they specifically state that they will not pull your credit report and requesting one will not affect your credit score. If you get to the page before you hit "Submit" and it asks your your permission to pull a copy of your credit report then it is likely a HP.

Thanks, that is also helpful. I went for it and got a SP, and a slap on the hand lol. It will be interesting what the letter says why it was denied when it arrives.

The language was a little bit confusing. States that I understand that my credit report for me and any AU will be pulled to determine eligibility, but didn't specify which type.. Afterward, it told me it was a soft pull. Wouldn't have mattered anyway.

Re: Does PNC Care About Usage For CLIs?

MisterWives — Sun, 15 Dec 2019 07:31:07 GMT

I feel they care more about time than usage as they don't allow a CLI until every 6 months at least when I try it myself.

Re: Does PNC Care About Usage For CLIs?

Cred4All — Sun, 15 Dec 2019 13:15:57 GMT

I can attest that PNC likely is not overly concerned with usage. I've belonged to the bank for a good long while, and I have a PNC Card as well which had not seen usage since winter 2018. I know I know, this is against most of our common data point knowledge of at least putting activity on it every 3 months or so... but being a member of the bank I wasn't too worried. Since PNC started the SP CLI's, I've received a couple and these were all without usage on the card if that helps add to your datapoint.

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sun, 15 Dec 2019 14:34:21 GMT

@Cred4All wrote:
I can attest that PNC likely is not overly concerned with usage. I've belonged to the bank for a good long while, and I have a PNC Card as well which had not seen usage since winter 2018. I know I know, this is against most of our common data point knowledge of at least putting activity on it every 3 months or so... but being a member of the bank I wasn't too worried. Since PNC started the SP CLI's, I've received a couple and these were all without usage on the card if that helps add to your datapoint.

Yes, I'm thinking it won't be usage as the denial reason. It could be max CL for my income level, and if it is, that is really conservative. Who knows right now. But I will post the reason when I get the letter in the mail so others may use it as a barometer with their own profile and CLI request.

I got the card in July 2017 without a CLI since.

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sat, 21 Dec 2019 20:11:21 GMT

Go the denial letter today for the CLI. Reason:

* Current amount of unsecured credit available with us

Sounds like my balances with the card is too low. I have no other loans or cards with them and therefore too much unsecured credit available.

Re: Does PNC Care About Usage For CLIs?

JNA1 — Sat, 21 Dec 2019 22:48:49 GMT

I am waiting for my PNC Cash Rewards card to arrive in the mail, so this thread has been helpful for me to know what to expect. I got this card for gas and restaurants, and based my spend for last year, I’ll use most of the $8000 cap in addition to 5% quarters I’ll get from Disco for gas and restaurants. Using raw numbers from last year and taking out the 5% quarters, we averaged $745 monthly in those categories, so we could get around $100 more in cash back for the year if we spend the amount this year.
Hopefully this will be enough to get some good CLI’s after a year.

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sat, 21 Dec 2019 22:58:28 GMT

From what I understand, CLI with them are only once every 6 months. Not sure if that includes auto CLI as well or user requested.

Their CLI are soft pulls.

Re: Does PNC Care About Usage For CLIs?

Anonymous — Sun, 22 Dec 2019 00:03:44 GMT

@JNA1 wrote:
I am waiting for my PNC Cash Rewards card to arrive in the mail, so this thread has been helpful for me to know what to expect. I got this card for gas and restaurants, and based my spend for last year, I’ll use most of the $8000 cap in addition to 5% quarters I’ll get from Disco for gas and restaurants. Using raw numbers from last year and taking out the 5% quarters, we averaged $745 monthly in those categories, so we could get around $100 more in cash back for the year if we spend the amount this year.
Hopefully this will be enough to get some good CLI’s after a year.

You should be able to get good CLIs with that spend. Mine is more than I need, but I like to keep the CLs as high as they'll let me.