PNC BUSINESS CREDIT

[blackfines1]

Apply for PNC business Credit, the app got denied for " type of business / industry ",  Call recon never hear from them , Provided bank statement , business license and doc , Business is based on trading, transportation and household goods
FICO 780, inquiry 8/24, Already have 3 Amex business card, 2 BofA business card, 1 Citizen Business card, 1 FNBO Business card, 1 Discover Business card,  Beware of HP ,

Make no sense. Any idea??

[WayneSki]

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@blackfines1 wrote:

Apply for PNC business Credit, the app got denied for " type of business / industry ",  Call recon never hear from them , Provided bank statement , business license and doc , Business is based on trading, transportation and household goods
FICO 780, inquiry 8/24, Already have 3 Amex business card, 2 BofA business card, 1 Citizen Business card, 1 FNBO Business card, 1 Discover Business card,  Beware of HP , Make no sense. Any idea??

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When you said "trading", do you mean trading stocks? If so that definitely would be flagged.

You have three different businesses listed, which may be an issue. I have this PNC line of credit and they needed a NAICS code from me. I dont think it's a NAICS code to cover all 3. I have accounts with PNC both personal and business, this line of credit was a soft pull for me.

[jaxstraw]

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@WayneSki wrote:

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@blackfines1 wrote:

Apply for PNC business Credit, the app got denied for " type of business / industry ",  Call recon never hear from them , Provided bank statement , business license and doc , Business is based on trading, transportation and household goods
FICO 780, inquiry 8/24, Already have 3 Amex business card, 2 BofA business card, 1 Citizen Business card, 1 FNBO Business card, 1 Discover Business card,  Beware of HP , Make no sense. Any idea??

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When you said "trading", do you mean trading stocks? If so that definitely would be flagged.

You have three different businesses listed, which may be an issue. I have this PNC line of credit and they needed a NAICS code from me. I dont think it's a NAICS code to cover all 3. I have accounts with PNC both personal and business, this line of credit was a soft pull for me.

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Was your soft pull for the PNC Flex LOC or the PNC Choice LOC ? 

I know there were several threads on here about the Flex LOC being a soft pull only....but to my knowledge I can't remember anyone applying and giving any DP for the Choice LOC.

[WayneSki]

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@jaxstraw wrote:

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Was your soft pull for the PNC Flex LOC or the PNC Choice LOC ? 

I know there were several threads on here about the Flex LOC being a soft pull only....but to my knowledge I can't remember anyone applying and giving any DP for the Choice LOC.

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It was the Choice BLOC...

[jaxstraw]

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@WayneSki wrote:

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@jaxstraw wrote:

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Was your soft pull for the PNC Flex LOC or the PNC Choice LOC ? 

I know there were several threads on here about the Flex LOC being a soft pull only....but to my knowledge I can't remember anyone applying and giving any DP for the Choice LOC.

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It was the Choice BLOC...

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Thanks for the clarification and the DP's.

[LSJ]

I can't win with PNC.  I do not understand their algorithms and I have been denied 3xs but have cards across 3 different other banks for over $100k.  They are very weird.