topic Just learned about some CL features from PNC in Credit Cards

Just learned about some CL features from PNC

NoMoreE46 — Sun, 10 Jul 2022 21:57:32 GMT

While visiting pnc.com for my Points card, I decided to request a credit limit change.

So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.

Re: Just learned about some CL features from PNC

OmarGB9 — Sun, 10 Jul 2022 22:39:30 GMT

That's pretty convenient.

Re: Just learned about some CL features from PNC

Cashbackjunky — Sun, 10 Jul 2022 22:43:29 GMT

@NoMoreE46 wrote:
While visiting pnc.com for my Points card, I decided to request a credit limit change.
So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

Customer Service
Request Credit Limit Change
Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.

Very cool! This is reminiscent of Citi's new CLI page that tells you the exact date you're eligible.

I fully expect to see a CLI approval post from you on the 8th of next month

Re: Just learned about some CL features from PNC

M_Smart007 — Tue, 12 Jul 2022 12:41:11 GMT

@NoMoreE46 wrote:
While visiting pnc.com for my Points card, I decided to request a credit limit change.
So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

Customer Service
Request Credit Limit Change
Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.

It is a nice feature

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/07/2022. Thank you for being a valued PNC Customer.

Re: Just learned about some CL features from PNC

NoMoreE46 — Tue, 12 Jul 2022 15:56:51 GMT

Yo @M_Smart007 !

Looks like we are just one day apart on our PNC CLIs!

Re: Just learned about some CL features from PNC

Creditsen — Wed, 13 Jul 2022 02:27:32 GMT

Thank you for sharing! Maybe I will try an increase request

Re: Just learned about some CL features from PNC

NoMoreE46 — Thu, 21 Jul 2022 16:54:38 GMT

Have ya tried @Creditsen ?

Re: Just learned about some CL features from PNC

Creditsen — Fri, 05 Aug 2022 15:11:24 GMT

@NoMoreE46 wrote:
Have ya tried @Creditsen ?

I just spent a bit of time searching around the site and found the CLI button. My salary has increased in the last year almost 60% so it may be a factor but I was approved and moved up from $11,500 to $16,500! I tried the Discover Luv button and no luck, despite the salary increase. Discover seems to prefer higher use and I am the type that pays off my card almost immediately after I spend.

Re: Just learned about some CL features from PNC

Wavester64 — Fri, 05 Aug 2022 17:07:53 GMT

Curious if anyone is getting approved for CLI's without putting a lot of spend on the PNC CC? 🤔

Re: Just learned about some CL features from PNC

Creditsen — Fri, 05 Aug 2022 18:48:22 GMT

@Wavester64 wrote:
Curious if anyone is getting approved for CLI's without putting a lot of spend on the PNC CC? 🤔

I consistently have a low spend on my pnc card. I usually don't let it go over $200 before paying it off immediately. I did get a significant increase in income and indicated that on my last request. But I asked for a CLI today and they approved $5000 increase despite my very low usage.

Edit: $5000 not $400. I don't even know how I math'ed that poorly.

Re: Just learned about some CL features from PNC

NoMoreE46 — Fri, 05 Aug 2022 17:17:33 GMT

@Wavester64 wrote:
Curious if anyone is getting approved for CLI's without putting a lot of spend on the PNC CC? 🤔

Yep at @M_Smart007 posted recently. No spend on it.

PNC points Visa "SP" CLI $24K>>$28,500.00 **Approv... - myFICO® Forums - 6573031

Re: Just learned about some CL features from PNC

NoMoreE46 — Tue, 16 Aug 2022 00:24:04 GMT

As a follow-up to this, PNC will not hold one to the exact date it provides to request a CLI. It allows one to request earlier than stated.

I have two examples to show such.

My CLI eligible date was Aug. 8, but I was able to submit my request on Aug. 2.
Another is from @M_Smart007. M_Smart007 stated that Aug. 7 was the eligible date for a CLI but was able to share news of a CLI on Aug. 1.

CLI approval post PNC points Visa "SP" CLI $24K>>$28,500.00 **Approv... - myFICO® Forums - 6573031

Thus, if you happpen to get a reply of when you are eligilbe for a CLI from PNC, you may be able to request earlier than provided.

Re: Just learned about some CL features from PNC

M_Smart007 — Tue, 16 Aug 2022 01:19:38 GMT

@NoMoreE46, Great DP's

Re: Just learned about some CL features from PNC

CashOutReFi — Tue, 16 Aug 2022 01:41:40 GMT

That is EXTREMELY helpful! Saves them a call because I DID have to call Fidelity (Elan?) about the last time I requested an increase. That event did NOT generate an email. I have been getting all their other emails though.