topic Re: PNC or Suntrust CC in Credit Cards

PNC or Suntrust CC

corymcd88 — Sun, 11 Sep 2016 03:53:23 GMT

Witch is easier to get? Witch has better rewards? I don't bank with PNC or Suntrust anymore.

Re: PNC or Suntrust CC

Anonymous — Sun, 11 Sep 2016 17:12:32 GMT

Neither bank is particularly well regarded here on the forums. I have a checking account at SunTrust but they are a very conservative lender for credit cards. Reports I've seen here for both SunTrust and PNC have showed fairly low limits and mediocre rewards.

I'd stick with the big banks and credit unions if I were you.

Re: PNC or Suntrust CC

Anonymous — Sun, 11 Sep 2016 19:50:33 GMT

I have a credit card through PNC. 5 years ago I opened a bank account with them when I started college. Around that same time is when I go the credit card. I was signed on as an authorized user. CL of $5000. Fast forward 5 years, CL has not changed. I've never asked for one, though. I believe cashback rewards are at 1.25%. You can do much better elsewhere.

I rarely use this card, as I have others that give me better rewards. I used it quite a bit the first 2-3 years (mostly for college supplies) before I branched out and started applying for my own credit cards. I still don't think my parents are fully aware of how many CCs I actually have. Not that it matters, as I now live on my own & have managed it all pretty well for several years on my own. I do remember getting my car loan..how impressed the car salesman seemed to be with my credit score lol

Re: PNC or Suntrust CC

Anonymous — Mon, 12 Sep 2016 12:45:35 GMT

@Anonymous wrote:
Neither bank is particularly well regarded here on the forums. I have a checking account at SunTrust but they are a very conservative lender for credit cards. Reports I've seen here for both SunTrust and PNC have showed fairly low limits and mediocre rewards.

I'd stick with the big banks and credit unions if I were you.

Right, when I saw the OP, I wondered "Why that particular choice"!

Re: PNC or Suntrust CC

kdm31091 — Mon, 12 Sep 2016 12:54:18 GMT

I don't either one has impressive rewards to be honest, pretty mediocre. I'd skip both.

Re: PNC or Suntrust CC

corymcd88 — Mon, 12 Sep 2016 13:09:13 GMT

Good, thanks.

Re: PNC or Suntrust CC

Anonymous — Mon, 12 Sep 2016 14:19:37 GMT

I have the PNC Cashbuilder. But I have banked at PNC for 8 years. I got approved for 3k with a 650 Experian Score but I do believe deposit relationship matters. I also 1.5% cash back because I have a certain checking account. So maybe you should get a credit card where you primarily bank if you don't have one?