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Congrats on your new PNC Rewards Visa card!
@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!
@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.
@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.
@Gmood1 wrote:Following after my crack head friend @credit_is_crack .
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?
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.
Congrats))))
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 But as others mentioned my profile is not as strong as yours
@Jnbmom Thanks!!
At 29, your inqs don't matter anymore. lol
Plenty of folks here with profiles much stronger than mine. lol
@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 hopefully
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
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!
@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 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...