topic Re: PNC Credit card in Credit Cards

PNC Credit card

corymcd88 — Mon, 23 Jan 2012 03:14:14 GMT

Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?

Re: PNC Credit card

Ron1 — Mon, 23 Jan 2012 03:46:22 GMT

@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?

Try First Progress Mastercard. It is the easiest one to get. My brother have one.

Ron.

Re: PNC Credit card

lovely222 — Mon, 23 Jan 2012 04:17:50 GMT

@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?

I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

Re: PNC Credit card

corymcd88 — Mon, 23 Jan 2012 04:42:11 GMT

@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

I will call tomorrow. Thanks!

Re: PNC Credit card

lovely222 — Mon, 23 Jan 2012 04:46:43 GMT

@corymcd88 wrote:
@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.
I will call tomorrow. Thanks!

Happy to help!

Let us know how it goes!

Re: PNC Credit card

Anonymous — Mon, 23 Jan 2012 04:55:45 GMT

Who do they pull??

Re: PNC Credit card

lovely222 — Mon, 23 Jan 2012 13:21:04 GMT

@Anonymous wrote:
Who do they pull??

For me they pulled EX only.

Re: PNC Credit card

Anonymous — Mon, 23 Jan 2012 13:30:40 GMT

@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

When you applied were you a PNC banking customer? Also you mention your TU score in this reply but in other replies you mention that PNC pulled EX

Re: PNC Credit card

lovely222 — Mon, 23 Jan 2012 14:46:43 GMT

@Anonymous wrote:
@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.
When you applied were you a PNC banking customer? Also you mention your TU score in this reply but in other replies you mention that PNC pulled EX

Yes, I was a PNC customer when I applied. I pulled my report from myFICO prior to applying and my TU was 710. When I was approved they sent me a mail that said I was approved and "the information we used was from your Experian report including your score of 684".

Hope this clears it up.

Re: PNC Credit card

Anonymous — Mon, 23 Jan 2012 15:03:42 GMT

@lovely222 wrote:
@Anonymous wrote:
@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.
When you applied were you a PNC banking customer? Also you mention your TU score in this reply but in other replies you mention that PNC pulled EX
Yes, I was a PNC customer when I applied. I pulled my report from myFICO prior to applying and my TU was 710. When I was approved they sent me a mail that said I was approved and "the information we used was from your Experian report including your score of 684".

Hope this clears it up.

Thanks for responding I wonder if I can apply for the card without being a PNC customer

Re: PNC Credit card

lovely222 — Mon, 23 Jan 2012 16:58:19 GMT

@Anonymous wrote:
Thanks for responding I wonder if I can apply for the card without being a PNC customer

I think you can as long as you are in their service area (NY, NJ, PA). I would call them up first to be sure, so you don't waste an INQ!

Re: PNC Credit card

learnin113 — Mon, 23 Jan 2012 21:13:40 GMT

@Ron1 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
Try First Progress Mastercard. It is the easiest one to get. My brother have one.

Ron.

Ron,

Is this a secured card? I tried googling it and its only coming up as a secured mastercard.

Re: PNC Credit card

learnin113 — Mon, 23 Jan 2012 19:35:58 GMT

@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

Lovely,

How many inquiries did you have at the time?

Re: PNC Credit card

lovely222 — Tue, 24 Jan 2012 04:59:29 GMT

@learnin113 wrote:
@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

Lovely,
How many inquiries did you have at the time?

Sorry it took so long to get back to you, but I looked at my report and it looks like I had 7 on my EX report at that time. They were all pretty much within the one year mark.

Re: PNC Credit card

corymcd88 — Tue, 24 Jan 2012 05:03:52 GMT

@lovely222 wrote:
@Anonymous wrote:
Thanks for responding I wonder if I can apply for the card without being a PNC customer
I think you can as long as you are in their service area (NY, NJ, PA). I would call them up first to be sure, so you don't waste an INQ!

I live in Florida and they service my area, and more of my area after RBC USA ends.

Re: PNC Credit card

corymcd88 — Tue, 24 Jan 2012 05:05:30 GMT

@learnin113 wrote:
@Ron1 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
Try First Progress Mastercard. It is the easiest one to get. My brother have one.

Ron.

Ron,
Is this a secured card? I tried googling it and its only coming up as a secured mastercard.

The secured card is something that I don't want because they will not over time make it an unsecured credit card. The only way I want a secured card is that if ut will unsecured over time.

Re: PNC Credit card

corymcd88 — Tue, 24 Jan 2012 05:05:47 GMT

@learnin113 wrote:
@lovely222 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
I got this card last May with a 710 TU score. 0% BT for 12 months and by far my highest limit at that time at $17,500! When they approved me, they sent me a letter with my score, which was 684. I think they like to see high 600's.

Lovely,
How many inquiries did you have at the time?

Five inq's.

Re: PNC Credit card

Ron1 — Tue, 24 Jan 2012 07:25:04 GMT

@learnin113 wrote:
@Ron1 wrote:
@corymcd88 wrote:
Is PNC credit card easy to get? What score do they like to see? Should I try 5/3 Bank?
Try First Progress Mastercard. It is the easiest one to get. My brother have one.

Ron.

Ron,
Is this a secured card? I tried googling it and its only coming up as a secured mastercard.

Yes, it is a secured card and it is better those unsecured card for bad credit. They charged you everything. I heard US Bank Harley Davidson secured Visa and it is a good card. It turned into regular US Bank card after 12 months of payment history.

Ron.

Re: PNC Credit card

navigatethis12 — Tue, 24 Jan 2012 15:26:24 GMT

I couldn't find much information when I was looking for it for this card so I'll put my little bit of information in here.

I applied for the PNC Cashbuilder card. I received an instant decision that I was approved. I received an e-mail that I was given a credit limit of $5,200 and was "upgraded" to a visa signature. After the card arrived I saw that my apr was 13.99% which is one % above the lowest the website says it can go. My Experian score was 731 when I was approved(January 8, 2012). I have put about $5,000 of charges on the card and have already made almost ninety dollars in cashback. The thing I like most about it is that the cashback posts about a day or two after the purchase. Instead of waiting until the end of the cycle like some other companies. Also when making a payment to the card it posts that day as well, so everything is pretty fast.

I'm 21 and at the time of applying I had had only a Macy's and Amazon store card reporting. Three of my parents other cards have me as an authorized user and may or may not have helped my score. The cards are, Discover, Home Depot store, and some other I can't remember.

At the same time I applied for a Chase Freedom ($300 cashback!) and American Express Blue Cash and was approved on those. American Express also said my score was 731.About two weeks earlier I was aproved for an Amazon Visa which had my score lower but it went up to 950 so I believe Chase may use their own scoring method.

I have had accounts with PNC for almost four years with, I suppose, a significant amounts of money in them. Whether this helped in their decision or not I do not know.

Also just incase you're wondering all these companies pulled Experian and I live in Maryland.

Re: PNC Credit card

learnin113 — Tue, 24 Jan 2012 15:50:55 GMT

Getting the itchy fingers...