Hi guys, long time lurker and very grateful for all the information I've gleaned from this forum. Just wanted to add my experience with applying for a pnc cash rewards card. CK gave very good approval odds, which I don't usually take seriously. Figured "what the hell" and appd for it with the following scores... EX: 668, TU: 673, EQ:676. Lots of very old baddies on my report (most aging off in the next few months) but 100% payment history for 5 years and low balances on my other toy cards. I was immediately approved for a 10k sl and as far as I'm aware, they only pulled experian.
Maybe they're loosening up their requirements, maybe not. I was definitely shocked at my approval. Good luck and thanks for letting me lurk and use this forum for the amazing resource it is.
Edited to show income as someone further up mentioned it. My annual gross is 120k but they didn't ask for any proof.