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Pnc declined then approved

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Frequent Contributor

Pnc declined then approved

Never applying for anything online again. After being declined online, I reapplied next day in branch and approved for 5k. Fico 8's in the 640's.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 1 of 9
8 REPLIES 8
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Valued Contributor

Re: Pnc declined then approved

Congrats, but can I ask why you would apply for a card you were declined for the very next day?
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 2 of 9
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Frequent Contributor

Re: Pnc declined then approved

I went in to ask why it was declined. I've had accounts with them for over a decade.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 3 of 9
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Super Contributor

Re: Pnc declined then approved

It's been said that PNC highly prefers a banking relationship when approving card accounts.

 

Congratulations on visiting a branch and getting approved.

Message 4 of 9
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Frequent Contributor

Re: Pnc declined then approved

Yes they prefer a relationship which is a good thing in my opinion.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 5 of 9
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Community Leader
Super Contributor

Re: Pnc declined then approved


@jdxprs1 wrote:
Yes they prefer a relationship which is a good thing in my opinion.

I really would like to have that new cash rewards, but unfortunately, i'm not in Pitt anymore and cant get to a branch to work on building that relationship. Smiley Sad






Message 6 of 9
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Frequent Contributor

Re: Pnc declined then approved

I prefer the older version that I have with 1.75% back on everything
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 7 of 9
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Established Contributor

Re: Pnc declined then approved


@jdxprs1 wrote:
Never applying for anything online again. After being declined online, I reapplied next day in branch and approved for 5k. Fico 8's in the 640's.

Absolutely agree with you.  Much better odds applying in person than online.  There are many examples of this.

Message 8 of 9
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Senior Contributor

Re: Pnc declined then approved

Congrats on your approval!!

Did you find out why you were originally denied?
Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 9 of 9
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