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PNC card approval - after verification by speciality underwriting

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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!

4 REPLIES 4
Moderator

Re: PNC card approval - after verification by speciality underwriting

Grats on the new PNC card Smiley Happy

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."

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- Rhonda Byrne

Message 2 of 5
Community Leader
Valued Contributor

Re: PNC card approval - after verification by speciality underwriting

Congrats! Nice pick up there. UncleB left the light on for you in the Garden. 

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Message 3 of 5
Frequent Contributor

Re: PNC card approval - after verification by speciality underwriting

Very nice, congrats on the approval! 😊

Message 4 of 5
Super Contributor

Re: PNC card approval - after verification by speciality underwriting

Congrats on your $5k Recon approval

Message 5 of 5
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