I kind of gave up on my gardening tour this week lol!..I know...it happens. And after gathering some data points and seeing a few approvals lately for this card and the most recent one the legendary Gmood I decided to check out what PNC bank cards had to offer. I have plenty cards with point SUBs so that was a no go and the other card carried an annual fee I do believe. So I decided to settle on the Rewards. Seeemed like an EXP puller as this is my cleanest report. Had a feeling that they just might not be inquiry/account senstive with all the big baller approvals around here..... I decided to go for it. Went through the Credit Karma website as reccomended to get the $150 bonus/$1,000 spend. Page pulled up the bonuses as mentioned. I then filled in eveything and hit the submit button and the waiting began, what seemed like an eternity, screen finally reappeared to an instant approval! This is a shocker for me out late as although I have been gardening my last few apps before that have resulted in 5-7 or 7-10 day messages. So to get this instant approval brings back the excitement.
They pulled EXP Fico 8 (748) at the time.. took an 11 point hit from my USAA CLI approval the other day but didn't lose a point for this app go figure.
Accounts: 0/6---- 8 /12----- LOL/24
Inquires: 1/6 -----5/12 now 6. This actually could have helped my cause.
Negatives 0. This is my cleanest report out of the 3.
Another thing I will mention that seems to be a big factor it seems is having a thick profile as most members with many new accounts can usually take the absorption of mutiple hard inquiries. For example, both my TU & EQ reports have inquries in the teens. I have even taken mutiple pulls on both of those reports on the smae day with different lenders and didn't lose a single point on neither. But with my EXP report on the other hand in which I had not taken a pull in several months from gardening, I incured an 11 point hit to the report for the 1 USAA inquiry the day prior in which gave me 9 inquiries at the time. The PNC app gave me 10 inquiries and did not take a single point hit. Very strange indeed. Just thought I would share this intresting set of events within my credit world. Thanks guys!
Another thing I will mention that seems to be a big factor it seems is having a thick profile as most members with many new accounts can usually take the absorption of mutiple hard inquiries.
This is a great DP...you're tempting me to leave the Garden...lol! Gotta wait, gotta wait....
Congrats on the approval!
I seem to get quite a few 2 or 3 day waits instead of instant approvals. I'm wondering if the stolen card alert language added to my old Marvel card has something to do with it?🤔
I don't I know.
I was in the same boat as you re: the Marvel card closure/reissue mess but it doesn't seem to have impacted me at all.
First guess is that you're just yellowlining some autoapprove threshold and the UW reviewing the app says "nah, that's not a concern" and approves.
Congrats on your approval and very nice SL !!!!
Congratulations! Very nice SL too!
I need to move... Colorado is geofenced off from so many of the cards that don’t mind inquiries and accounts. We get lenders like FNBO and UMB...