PNC card approval - after verification by speciality underwriting
So... someone should handcuff me to stop app’ing, but I’m getting better accounts and scores are increasing all around... so maybe it’s okay.
App’d for PNC like 2 weeks ago on a whim. No prior relationship w/ them. Figured what’s the worst that could happen 🤷🏼♀️ A wasted inquiry... got the 7-10 day letter message.
Fast forward 2 weeks. Got a letter over the weekend saying more verification was needed and I had 10 days to respond.
Called PNC, and after a ridiculously long hold I spoke with “speciality underwriting” who verified my phone number via text. Came back approved for $5k SL. 👍🏻 Said recon for more wasn’t really an option at this time unless I had new info to provide (like more income)
They pulled Experian - latest Fico8 is 722. Util about 38%. Paid about 39% of installments balances. 9 inquiries (now 10). Last late payment was 2 60d and 2 30d lates 48+ months ago. Lots of new cc accounts in last 2 years (considering oldest account is nearly 20years, AAOA is prob real low... maybe 3-4 years if I actually calculate it).
Thought PNC was picky and difficult to get into. Maybe I was wrong.
I know I’m not always perfect with all my credit decisions.... but feeling pretty accomplished increasing my score 200pts in the last 2-3 years or so, especially after a huge job loss in 2014 and nearly facing foreclosure and doing a loan mod in 2015.
Time to lock myself in the garden and hide a the keys!
Re: PNC card approval - after verification by speciality underwriting
Grats on the new PNC card
An app every 6 months or so until you get the lineup you want isnt bad at all.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."
"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."