topic Re: PNC secured in Credit Cards

PNC secured

CreditDrama85 — Sat, 16 Nov 2013 04:32:23 GMT

i was thinking about getting this card. i have some negatives falling off and would like to add a few good TLs. once upon a time you could call PNC and asked to be mailed an application. is that option still available or do you have to apply in the branch?

Re: PNC secured

Revelate — Sat, 16 Nov 2013 07:03:33 GMT

@CreditDrama85 wrote:
i was thinking about getting this card. i have some negatives falling off and would like to add a few good TLs. once upon a time you could call PNC and asked to be mailed an application. is that option still available or do you have to apply in the branch?

I guess my question is why pick this one when there are better options of various sorts available?

I don't know much about the PNC card other than it exists, but it always is relegated to the "third tradeline, pick up whatever you want" vs. other much better cards which should fill the first two.

Generally speaking and there's some debate on this in no particular order as people need different things:

BOFA - hands down best secured card currently unless you need no forex capability
NFCU - if you have access; flat 1% rewards
Cap One: nice benefit of easily increasing limit if you have spare cash flow, no forex
SDFCU: $0 AF, think can add funds to increase limit (secured by share account), no HP to join, no HP to get card, 1% rewards, no forex, and EMV chipped too.
DCU: $0 AF, freebie Beacon 5.0 FICO

Pick a couple which suit your individual needs and do that would be my recommendation.

Re: PNC secured

CreditDrama85 — Sat, 16 Nov 2013 17:27:25 GMT

because I was thinking i could link the credit card for overdraft protection and BoA denies everyone even for secured cards. it might be a waste of an inquiry. last time i checked fico one was 520 the other was 550. i would like to get over 600 as a short term goal. ill look into some of the others you mentioned. thanks.

Re: PNC secured

bigblue7722 — Sat, 16 Nov 2013 18:06:57 GMT

@CreditDrama85 wrote:
because I was thinking i could link the credit card for overdraft protection and BoA denies everyone even for secured cards. it might be a waste of an inquiry. last time i checked fico one was 520 the other was 550. i would like to get over 600 as a short term goal. ill look into some of the others you mentioned. thanks.

I am not to fimilar with pnc but with those scores i think boa would be a strech. Try cap one secured it has a low anual fee and several people incudling myself have recieved unsecured cli on the card after 6 months.

Re: PNC secured

aubie1kenobie2 — Sun, 02 Feb 2014 16:38:47 GMT

@CreditDrama85 wrote:
i was thinking about getting this card. i have some negatives falling off and would like to add a few good TLs. once upon a time you could call PNC and asked to be mailed an application. is that option still available or do you have to apply in the branch?

This was my first CC and I had to go to a branch to fill up the application. I had an account with them though. It reports as secured CC and does not graduate to an unsecured card.