PNC Cold Application

[Anonymous]

I know that they use FICO9 EXP but i'm not sure if I am over any of their internal rules. 

Based on FICO8: 784, $96/$51,050 reporting, 721 scorecard 2, 720 scorecard 3 and 819 bankcard 8. 

Last EXP inquiry was 12/24/2019. 

New accounts: 17/24, 17/12, 6/6, 0/3

Average age of accounts: 1yr 1mos

[Guyatthebeach]

AddictedtoApprovals,

To be honest, I'm not sure. The scores look right for an approval, but it's going to be questionable with new accounts.

PNC is a very conservative lender, but they have also been good to me. I would try the website to see if the preapproval tool works for you. 

Otherwise, I would wait 6 months then try, that's just my opinion.

Guyatthebeach

[Anonymous]

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@Guyatthebeach wrote:

AddictedtoApprovals,

To be honest, I'm not sure. The scores look right for an approval, but it's going to be questionable with new accounts.

PNC is a very conservative lender, but they have also been good to me. I would try the website to see if the preapproval tool works for you. 

Otherwise, I would wait 6 months then try, that's just my opinion.

Guyatthebeach

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I had no idea PNC had a pre-approval tool, thanks for that note.

[blindambition]

I thought you got the AOD Signature, so that would be within 3 months. As stated, PNC is very conservative. Especially on first card. They don't like a lot of new accounts.

[Anonymous]

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@blindambition wrote:

I thought you got the AOD Signature, so that would be within 3 months. As stated, PNC is very conservative. Especially on first card. They don't like a lot of new accounts.

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Ah yes, I did get approved for that. It's not in my mind since i've not received my card yet, or seen it on my reports.

[Anonymous]

FWIW, I cold app'd for the PNC Cash Rewards card with a EX score of 751 in December 2019 and they instantly approved me with a SL of $15K and

I only had a checking account with them for 4 months (plus only 2 DDs of $55). Also, I had opened 6 new cards before then going back to April 2019. 

However, my AAoA was around 4 years. If anything, this may be a problem for you. 

[SFLSpotter9210]

I just appd and was approved for their core account. My signature is accurate and up to date. I have many new accounts and 6 inquiries at the time of app. My aaoa is 2 yrs 5 months. Good luck with whatever you decide. 

[Meanmchine]

What about Baxter CU ?  Didnt you recently open this one too?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Baxter-Credit-Union-BCU-20-000-Instant-Approv...

[coldfusion]

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@Anonymous wrote:

I know that they use FICO9 EXP but i'm not sure if I am over any of their internal rules. 

Based on FICO8: 784, $96/$51,050 reporting, 721 scorecard 2, 720 scorecard 3 and 819 bankcard 8. 

Last EXP inquiry was 12/24/2019. 

New accounts: 17/24, 17/12, 6/6, 0/3

Average age of accounts: 1yr 1mos

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Your scores are fine but the number of new accounts over the last 6/12 months combined with no existing relationship with them would give them pause.