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PNC Credit Limit Increase

Komp
Frequent Contributor
‎10-02-2019 02:47 PM
‎10-02-2019 02:47 PM

PNC Credit Limit Increase

Data points on CLs for those who have a PNC credit card (or maybe looking to get one). 

 

I have a PNC Core Card. I don't use it (it doesn't earn any rewards), but I wanted at least one card with my main bank that was connected to my account so I reached for this one. 

 

Opened Dec 2018 with a 3k Limit.

Auto increase to 5k August 2018.

Auto increase to 7.5k Febuary 2019.

Auto increase to 10k September 2019. 

 

I haven't really done anything with the card but put a few puchases on it now and then. I've put around $750 in spend on the card over the past year. Otherwise it sits in the dark corner of my wallet.

 

*Edited to put August 2018 (not 2019)

[11 AMEX] 58.5k + NPSLs // [1 Cap One] 23.25k // [2 Discover] 15.9k // [2 Barclays] 10.15k // [3 Citi] 18.8k // [2 Chase] 24.5k // Amazon 6k
Starting FICO Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1.3k
Current FICO Scores: EQ 660, TU 672, EX 650 (09/20) w/ Total CLs of $169.1k
Owner of The Point Calculator. Calculate credit card rewards based on your spend, compare credit cards side-by-side, and search for the best cards based on spend.
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Message 1 of 12
11 REPLIES 11
MartyWrite75
Valued Contributor
‎10-02-2019 03:29 PM
‎10-02-2019 03:29 PM

Re: PNC Credit Limit Increase

Congratulations on your CLI!!
March 2023: Experian 722 Equifax 708; Transunion 730


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $5,600 (Sock drawer) || Discover It: $9,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || Overstock Store Card: $13,550 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $3,500 || Citi Custom Cash: $6,000 || Verizon VS Visa: $9,500

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Target REDCard

Gardening to 02/18/2024 (ideally)
Total Utilization: 7%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 2 of 12
M_Smart007
Legendary Contributor
‎10-02-2019 05:45 PM
‎10-02-2019 05:45 PM

Re: PNC Credit Limit Increase

 

Congrats on your CLI's

 

 

Message 3 of 12
althes
Frequent Contributor
‎10-02-2019 06:37 PM
‎10-02-2019 06:37 PM

Re: PNC Credit Limit Increase

Are they a relationship bank.

Also do you have to have an account in order to apply.

Do they pull EX.

Message 4 of 12
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stonedog23
Frequent Contributor
‎10-02-2019 07:31 PM
‎10-02-2019 07:31 PM

Re: PNC Credit Limit Increase

What I like about PNC CLI request is they take the guess work out of asking for one. Their site lets you know the date you can ask for one.
NFCU GoRewards Sig ($35,000), NFCU Cash Rewards ($25,000), PenFed Power Cash ($20,000), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Comenity MC ($12,000), FNBO Evergreen Visa ($10,700), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Discover It Cash ($7500), Wells Fargo Active Cash Sig($7000), Amex BCE($6000), Amex ED($6600), PNC Points ($3800), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), Overstock($15,350), Dell($3000), WF mortgage 195K Fico 8: EQ 754, TU 740, EX 739, AAoA-92 months, AoOA-26 years
Message 5 of 12
James_A
Senior Contributor
‎10-02-2019 07:53 PM
‎10-02-2019 07:53 PM

Re: PNC Credit Limit Increase

@Komp wrote:

Opened Dec 2018 with a 3k Limit.

Auto increase to 5k August 2019.

Auto increase to 7.5k Febuary 2019.

Auto increase to 10k September 2019. 

 

Congrats! on the CLI & thanks for the DPs. (Although the dates are wonky)

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board

Take the myFICO Fitness Challenge
Message 6 of 12
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Komp
Frequent Contributor
‎10-03-2019 01:20 AM
‎10-03-2019 01:20 AM

Re: PNC Credit Limit Increase

@James_A wrote:
@Komp wrote:

Opened Dec 2018 with a 3k Limit.

Auto increase to 5k August 2019.

Auto increase to 7.5k Febuary 2019.

Auto increase to 10k September 2019. 

 

Congrats! on the CLI & thanks for the DPs. (Although the dates are wonky)

The first one should be *August 2018

It was at the end of August so it's around 6 months that they keep giving me Auto-CLIs

[11 AMEX] 58.5k + NPSLs // [1 Cap One] 23.25k // [2 Discover] 15.9k // [2 Barclays] 10.15k // [3 Citi] 18.8k // [2 Chase] 24.5k // Amazon 6k
Starting FICO Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1.3k
Current FICO Scores: EQ 660, TU 672, EX 650 (09/20) w/ Total CLs of $169.1k
Owner of The Point Calculator. Calculate credit card rewards based on your spend, compare credit cards side-by-side, and search for the best cards based on spend.
Message 7 of 12
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Komp
Frequent Contributor
‎10-03-2019 01:26 AM
‎10-03-2019 01:26 AM

Re: PNC Credit Limit Increase

@althes wrote:

Are they a relationship bank.

Also do you have to have an account in order to apply.

Do they pull EX.

They're not a relationship bank. Just a normal bank in the somewhat eastern side of the country. You do not need an account with PNC in order to pick up their credit cards.

 

I'm pretty sure they did pull EX, but that Inquiry is not on my report anymore so I'm not 100% sure.

[11 AMEX] 58.5k + NPSLs // [1 Cap One] 23.25k // [2 Discover] 15.9k // [2 Barclays] 10.15k // [3 Citi] 18.8k // [2 Chase] 24.5k // Amazon 6k
Starting FICO Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1.3k
Current FICO Scores: EQ 660, TU 672, EX 650 (09/20) w/ Total CLs of $169.1k
Owner of The Point Calculator. Calculate credit card rewards based on your spend, compare credit cards side-by-side, and search for the best cards based on spend.
Message 8 of 12
rgate88
Regular Contributor
‎10-03-2019 06:00 AM
‎10-03-2019 06:00 AM

Re: PNC Credit Limit Increase

Congrats! I have this card as they're my prime banking institution and got it as a way to BT. I got a nice increase early this year and due for another one in next month. Hopefully I'll have the same luck as you!

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; Care Credit - $6,000; PNC Core - $22,000; Citi DoubleCash - $6,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $24,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $30,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL; Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; Barclay's Aviator Red WEMC - $13,500; Bank of the West Cash Back - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $15,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $14,000; IHG Rewards Premier Business - $5,000


Total CLI - $332,700
Message 9 of 12
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AnimalHouse121
Valued Contributor
‎10-03-2019 07:31 AM
‎10-03-2019 07:31 AM

Re: PNC Credit Limit Increase

Congrats on your increase!!

I'm guessing your card open date (Dec 2018) is incorrect? Is it 2017?
Message 10 of 12
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