You guys are gonna make Gmood’s head so big that he has to go to the hospital.
🤣 🤣 🤣
I can only hope to one day be as good with the approvals as they are.
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!
Sometimes you just gotta do what you gotta do. Congratulations.