Greetings all. You all have done it once again. I check in from time to time, mainly because my credit approval world has been significantly limited. Well late last month, my student loans, a whopping $165,000 went poof (PSLF), so I decided to poke the bear one final time. I had applied to PNC over the years and they always came back with "your balances are too high". I knew it was always the student loan because that was the largest balance I had and it started at $120,000 but had blossomed into the dreaded $165,000. I first checked with a preapproval with Upgrade card which came back with 25k. I didn't take the bait and apply because I read that it was a bait and switch. Nevertheless that led me to CITI or PNC. I have 5 cards with CITI now so I said I'm going full throttle with PNC. Hit the apply button last night and got the dreaded 2 day message. I thought to myself that was clearly a denial because I've seen that message from them so many times. I decided to call underwriting this morning. I was told that I had to speak to a senior underwriter to verify some information. At this time, I knew I was going to be approved. They verified name, address and SSN and then you're approved. Not the starting limit I was hoping for but definitely not the rejection that I had gotten so many times before. I'm finally in with one of the few banks that I couldn't get in. Well I guess I was getting in one way or another, thanks to the BBVA sell to PNC.
DP: EX 754, 3 Inq/12 months, 1 Inq/6 months; 3 new accounts/12 months (9 months, 7 months, 2 months)
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
Thank you
Congrats! The PNC Cash Rewards is in my regular rotation as well.
@JNA1 Thanks. I've read that they are pretty good on SP CLI's every 6 months. I'm hoping to jump on that train in 6 months.
@12njoy wrote:@JNA1 Thanks. I've read that they are pretty good on SP CLI's every 6 months. I'm hoping to jump on that train in 6 months.
They have been for me so far. I got a lower SL on mine I think because I applied at tr end of a 5 card spree last December. I had a ton HP's by the time I app'd for the PNC card, so they only gave me a $5K SL. I got a SP $3K CLI at 6 months and I'm eligible again on Christmas Day for another, so I'll let you know if I get another one. I hope I get mine over $10K this time.
Congratulations on your approval!
