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PNC cash rewards odds?

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Member

PNC cash rewards odds?

I really want this card as it cover most of my spending. I heard they pull Experian.
Score 731
AAoA: 11months oldest account: 2 yrs, 1 m
100% payment history
Inquiry 8/12
7% utilization
Current accounts
Cap 1 open aug 1, 2019
PPMC open Jul 1, 2019
Discover open May 1, 2019
Petal open Apr 1, 2019
Cap1 open Jan 1, 2019
Total CL $9700 income 30k
I am also a student and have a PNC car loan with them.
Open Jan 1, 2019 balance $14205
I didn't really plan my cards I just knew I had to build credit after I kept getting denied.
If I apply and get in will it hurt me negatively with synchrony, discover, and Cap1? I don't care about petal.
Message 1 of 13
12 REPLIES 12
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Moderator

Re: PNC cash rewards odds?

Do you currently bank with PNC - - aside from having a vehicle loan?

It's gonna be a bit iffy at best given the number of new accounts and inquiries in the past 6-12 months, though.
Message 2 of 13
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Community Leader
Senior Contributor

Re: PNC cash rewards odds?

I have mixed results with them DH and I virtually have the same credit files.

He has 2 cards with them I have been denied twice in a year for inquiries and new accounts.
EXP 763 TU 793 EQ 734
Message 3 of 13
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Moderator

Re: PNC cash rewards odds?

Banking relation will help as echoed above.. otherwise very iffy as @FinStar mentioned.

Message 4 of 13
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Super Contributor

Re: PNC cash rewards odds?

Did you try their prequal site?




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 5 of 13
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Moderator

Re: PNC cash rewards odds?


@Meanmchine wrote:

Did you try their prequal site?


@Meanmchine, PNC has a CC pre-qualification site?  🤔  My understanding is that sometimes CK can feature some PNC CCs, but I don't recall a pre-qualification being available unless one receives an offer through the mail or via the branch

Message 6 of 13
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Super Contributor

Re: PNC cash rewards odds?

@FinStar 

I double checked today. There is a prequal if you are a PNC member as OP has a car loan.  Secondly, I could have sworn that I used it myself (non member ) and not only did it show me my preapprovals, it showed me my potential SL. There is a chace Im confusing this with Regions bank but Im pretty sure it was PNC

 

There was a link Ill try to find tomorrow

 

 

 

 




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 7 of 13
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Moderator

Re: PNC cash rewards odds?


@Meanmchine wrote:

@FinStar 

I double checked today. There is a prequal if you are a PNC member as OP has a car loan.  Secondly, I could have sworn that I used it myself (non member ) and not only did it show me my preapprovals, it showed me my potential SL. There is a chace Im confusing this with Regions bank but Im pretty sure it was PNC

 

There was a link Ill try to find tomorrow



This sounds more like Regions, but please provide an update. IIRC, as a non-PNC member, that is not an available feature.

Message 8 of 13
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Super Contributor

Re: PNC cash rewards odds?

@FinStar 

 

Im still looking for the link but I did find this thread.  I knew I prequaled with PNC.  This was the reason why PNC jumped to the top of my wish list

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Am-I-actually-pre-approved/m-p/5865867#M25...




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 9 of 13
Highlighted
Super Contributor

Re: PNC cash rewards odds?


@Meanmchine wrote:

@FinStar 

 

Im still looking for the link but I did find this thread.  I knew I prequaled with PNC.  This was the reason why PNC jumped to the top of my wish list

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Am-I-actually-pre-approved/m-p/5865867#M25...


But then you read down and ..

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Am-I-actually-pre-approved/m-p/5865967#M25...

Message 10 of 13
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