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Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

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Frequent Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Congrats BC! Nice pick up.
Message 31 of 49
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Valued Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Thanks LittleSal! Appreciate it!
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 32 of 49
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Community Leader
Mega Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Big grats BruiserSmiley Happy Good ol Gmood1 G influenceSmiley Wink. Im saying in now, he should be a CL, he would literally change THE GAME! Enjoy another gem buddy, well earnedSmiley Happy
Message 33 of 49
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Valued Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Thanks so much AJC! Lol! Indeed that Gmood is something special! I often compare him to being on a sports team, he would be the one player that leads by example and forces you to elevate your game as well😄

And thanks again my friend for the well wishes. 😁
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 34 of 49
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Super Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

You guys are gonna make Gmood’s head so big that he has to go to the hospital. smiley-laughing021.gif




Message 35 of 49
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Valued Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Lol! @Saeren I actually though I was going to OD from all the contact approval highs I received between both Gmood and Credit_is Crack! 🤣🤣🤣
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 36 of 49
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Super Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

🤣 🤣 🤣 

 

I can only hope to one day be as good with the approvals as they are. smiley-laughing021.gif




Message 37 of 49
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Valued Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Yes Saeren, we are being taught by some real masters of the art 😀
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 38 of 49
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Community Leader
Super Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0


@credit_endurance wrote:

 

 

Hi all,PNC Bank Approval!!.png

 

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 Smiley Wink 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. Smiley Happy

 

Data points:

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.Smiley Happy 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! Smiley Wink

 


Sometimes you just gotta do what you gotta do. Congratulations. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 39 of 49
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Valued Contributor

Re: Alright!... Had to cave in on this one... PNC Bank Rewards Visa Siggy Aprroved!! :-0

Thanks so much CreditInspired! Love your analogy. Indeed we must! 😀😀
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 40 of 49
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