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PNC Rewards Visa approval !!

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credit_endurance
Valued Contributor

Re: PNC Rewards Visa approval !!

Big Congrats my friend! Just an epic run of approvals. Funny thing is I was just looking them over last night and thought that rewards card would make a very nice pick up. Hmmm... 😉 Again Congrats on the pull in nicely done 😄
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 11 of 48
Anonymous
Not applicable

Re: PNC Rewards Visa approval !!

Congrats on your new PNC Rewards Visa card! Smiley Happy

Message 12 of 48
Gmood1
Super Contributor

Re: PNC Rewards Visa approval !!

@Anonymous  Thanks buddy! lol

It's all of those accounts the reason my scores haven't went threw the floor. lol

Your FICOs take hits for obtaining them, but your FICO also grows more immune to adding them as time goes on.

 

@credit_endurance  Thanks brother! If you decide to grab it in the future. Remember to go through Credit Karma instead of directly to the PNC site. test and see if one or the other gives you a different SUB.

 

@Anonymous  Thanks my friend for the well wishes!

Message 13 of 48
Anonymous
Not applicable

Re: PNC Rewards Visa approval !!


@Gmood1 wrote:

@Anonymous  Thanks buddy! lol

It's all of those accounts the reason my scores haven't went threw the floor. lol

Your FICOs take hits for obtaining them, but your FICO also grows more immune to adding them as time goes on.

 

@credit_endurance  Thanks brother! If you decide to grab it in the future. Remember to go through Credit Karma instead of directly to the PNC site. test and see if one or the other gives you a different SUB.

 

@Anonymous  Thanks my friend for the well wishes!


I will take a beating if I do what you do because my AAoA is already on the verge of 2 years down from 4 😂 

 

But then I would have a bulletproof file after things start hitting 2 indeed. 

 

At least I don’t have to worry about this one — geo fence doesn’t include me. 

Message 14 of 48
Gmood1
Super Contributor

Re: PNC Rewards Visa approval !!



 

@Anonymous 

IMHO, folks make too much of a fuss about AAoA. My AAoA is 2 years 11 months. Next month it will go back up to 3 years.

I lost one point for 3 new accounts reporting in the last month, along with a couple of inqs. EX changed to 777 today. The point will return in a few weeks. I have 67 accounts reporting, not all are active. I have more but they are hidden trade lines.

 

Message 15 of 48
Jnbmom
Credit Mentor

Re: PNC Rewards Visa approval !!


@Gmood1 wrote:

Following after my crack head friend @credit_is_crack .Smiley Very Happy

I decided to hit old PNC up last Friday night. I didn't have a banking relationship with them.

FWIW, I've discovered the best way to apply for their cards is through Credit Karma. If you apply through Credit Karma, the SUBs may be slightly higher than going directly to the website. $150 verses $100 for the $1000 spend.

 

I received the 2 business day message that they'd get back to me. So I waited it out. Got the call today at work. She asked the basic identity questions and sent a text to my phone. Afterwards I received this email. FICO EX was a 778 with 18 accounts reporting balances. 

And 11 now 12 inqs on EX.

I figured since @coldfusion  , @Jnbmom  and the Crackman were successful. I thought... why not? Smiley Tongue

I have a crap ton of new accounts in the last 12 months. Too many to mention really. lol

I'm pretty sure they aren't inq or new account sensitive.Smiley Very Happy

 

PNC approval.png


CongratsSmiley Happy))))

 

I will admit I tried after DH's approval, I was instantly denied for the sole reason of too many inquiries which were at 24 on experian, I know I know Smiley Embarassed But as others mentioned my profile is not as strong as yoursSmiley Happy

EXP 780 EQ 791TU 795
Message 16 of 48
Gmood1
Super Contributor

Re: PNC Rewards Visa approval !!

@Jnbmom  Thanks!! 

At 29, your inqs don't matter anymore. lol

Plenty of folks here with profiles much stronger than mine. lol

Message 17 of 48
Jnbmom
Credit Mentor

Re: PNC Rewards Visa approval !!


@Gmood1 wrote:

@Jnbmom  Thanks!! 

At 29, your inqs don't matter anymore. lol

Plenty of folks here with profiles much stronger than mine. lol


Well that was the only thing listed on the denial letter................................ but its ok I have plenty and just waiting for my april "navy" luv hopefullySmiley Wink

EXP 780 EQ 791TU 795
Message 18 of 48
credit_is_crack
Valued Contributor

Re: PNC Rewards Visa approval !!

Atta Boy Gmood!!! You got me on the APR, but still a win! I've been using mine and chasing that bonus -- wish I had seen the $150 via CK than online Smiley Mad

 

Thier online process is odd though lol I've been using the card but you have to wait for a seperate letter with an online access pin just to register the account. Got the card last Thursday, but still no pin so I'm spending blind here LOL Congrats on snagging this one up!

Message 19 of 48
credit_is_crack
Valued Contributor

Re: PNC Rewards Visa approval !!


@Gmood1 wrote:


 

@Anonymous 

IMHO, folks make too much of a fuss about AAoA. My AAoA is 2 years 11 months. Next month it will go back up to 3 years.

I lost one point for 3 new accounts reporting in the last month, along with a couple of inqs. EX changed to 777 today. The point will return in a few weeks. I have 67 accounts reporting, not all are active. I have more but they are hidden trade lines.

 


This is funny too because my new Synovus card posted a few days ago. No change in EX or EQ, but TU went up 3 points Smiley Very Happy not sure how that worked out, but we'll see how things fair when the other 3 cards post over the next few weeks, though I'm sure I won't see the amex posted until May-ish...

Message 20 of 48
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