PNC Cash Builder Rewards Visa approval

[CountryLivin]

Congratulations! I really like PNC, and they have been good to me. I have banked with them since they merged with National City Bank.

[Anonymous]

That’s a really nice APR especially if you’re rebuilding. Keep it up you will be in the high achievers club in no time.

Congratulations

BTW I know that QS1 has a 39.00 AMF, you can always call Capital One and inquire about upgrading your card. No hard pull, and it’s definitely possible you can upgrade to a card that doesn’t have an annual fee.

[Anonymous]

Kelticblonde,

Thank you! Im still surprised the APR is as low as it is with the higher starting limit too! Guess it pays to have banking relationships with your bank.

As for the QS1- I have tried multiple times since my card graduated in January to product change or get the AF waived with no success. As this point im just debating on paying off the small balance and closing it down since it seems it may just sit in the bucket

[Anonymous]

Congrats!

Major score there with PNC!

[Anonymous]

Thanks all, also forgot to add.

I’m in VA and and PNC pulled EXP for me, not sure about other states where PNC is located as I have not checked out the creditpulls database

[xaximus]

Congrats on the approval and rebuild so far! I suggest PC'ing the QS1 to a QS.

[Anonymous]

Xaximis- thanks! As stated i have tried multiple times without success. Not sure what to do next as this card is one of my oldest since starting my rebuild, but its still capped at $500 SL

[Anonymous]

It can take a while before they offer a product change. My quicksilver I had for 2 years (was just the MasterCard platinum) before I could upgrade, and I have another MasterCard platinum opened for almost a year or very close to it, that is not eligible for upgrade at this time.

I do know they like to see a good amount of usage before considering an upgrade. If you can Util aprox 30 percent and pay the previous statement balance off every month that would be the best option.

What month is the fee assessed? It might be a good idea to wait 1-2 years and use the card a good amount, and then get an upgrade... 80 bucks over 2 years to keep oldest trade line open might be a good investment

[Anonymous]

I’ll have to check an see what month the fee is assesed as I’m not quite sure.

I do use the card pretty frequently and pay off in large amounts. I generally have used upto 75% and payed down to under 28.9%.

Guess ill just have to wait and see

[Anonymous]

Just wanted to throw a quick update out:

Been on the whim all weekend about asking for another CLI on my QS1 or going bold and applying for another capital one card to combine my QS1 with

Ended up doing the prequalify check through their website and to my surprise I was pre-qualified for the Savor, QS1(already have), and the Venture One all with solid(albeit higher) interest rates. Usually it was always the Platinum or QS1 in the past.

To my surprise I was approved for the Venture One w/ a $5k starting limit and 0% APR for 12 months, the jumping to 23% APR after a year! Still surprised and very happy as I will now be gardening for a long, long time!