PNC Points

[nccarguy1]

I've banked with PNC for just over a year.  Gave up on BofA after 20 years and moved on.  App's for the Points Visa Signature on Sunday and it went to pending.  I got a call at 8:45 this morning was an unknown (844) number.  Introduced as underwriter from PNC and asked if I had a few minutes to verify information.  I was expecting financial information, but no.  She asked me to verify my zip code and said she was sending a text to my phone with a code and that she would hold while I received it.  I gave her the code and she asked me to verify my mailing address for the card.  Said I was approved and would recieve the card in 5-7 days.

About a minute later I got an email from applications@pnc with approval.  $20,000 @ 14.99%  50,000 points after $750 spend.  Of course these points are worth @$125.  Thought the verfication process was odd as I bank with them, have been on current job over 7 years and have lived in my home for 20+ years.

Even though I bank with them I haven't really had a need to contact them for anything but could not believe the really low mobile banking deposit limit when I first started with them.  I deposit expense reimbursement checks and had to use my USAA checking account for the first 6 months.  Now the daily limit is $10K.  Be warned if you are switching banks and are used to high mobile deposit limits.  

I believe they used Equifax but haven't recieved score notification yet.  14 inquiries.

[CreditAggie]

Congratulations on your PNC Points approval!

[AllZero]

Congratulations on your approval!

[blindambition]

Congrats on your approval!! That verification process is becoming quite common, in some form or another. Even with lenders you've had previous relationship. 👍🏻 

[gdale6]

Grats on your PNC approval

[M_Smart007]

Congratulations on your PNC Approval..

[M_Smart007]

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@blindambition wrote:

Congrats on your approval!! That verification process is becoming quite common, in some form or another. Even with lenders you've had previous relationship. 👍🏻 

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+1 on the verification process!  IME

[cashorcharge]

Congratulations on your excellent approval!!

[MyFault]

Congrats on your approval!

For being one of the "big banks" i really liked PNC when i lived where they offered brick and mortar. I switched to BofA when i moved to TX since PNC isn't here and it was an absolute nightmare, plus half the perks (no atm fee reimbursements).
Luckily i was eligible for NFCU because of my father, and i haven't looked back since.

Long story short, enjoy the PNC card. I think they're one of the few good banks.

[coldfusion]

Congrats!

Also, if you don't see a HP on EQ look to see if they pulled EX.  PNC likes to pull from EX.