Okay, so I swore, swore, swore that after my December/January mini-app spree that resulted in PNC Core, Comenity Ulta MC, and Discover It credit cards that I was going back to the garden. I'm about six months away from hopefully applying for a mortgage, so I decided that 3 hard pulls was the limit. Well, I saw commercials for Wayfair sales today and I've been needing new bedding, so I checked out the website and fell in love with several bedsets. Sticking with my commitment to only charge what I can pay off right away, I only chose one (and saved the rest for future reference), and lo and behold, the pre-approval pop-up appeared. I knew that commenity already had a recent pull from the Ulta card so I knew exactly what info they were working with (670+ Eq), and I learned from these boards that SCT pop-ups are typically soft pulls in any case, so what the hell. I went for it, got an instant approval, $3,500 SL.
With my move planned, and other family members planning moves this year, this card will definitely come in handy. Massive interest rate at 27% though, so once again, I'll be sure to pay in full every time. And I know Comenity can be skittish when it comes to multiple cards, so that means I am well and truly done with two store cards. Now I'm REALLY going back to garden!
Way Fair in my humble opinion lol
Nice pickup and nice credit motto or commitment, charge only what you can pay off. Best way to do it
Nice pickup and nice credit motto or commitment, charge only what you can pay off. Best way to do it
@My_Fako wrote:Congrats!!!
Op,
What was you score like when you apped for PNC? Any data points?
I got an offer pop up on my PNC banking account informing me about PNC Core's 0% APR on purchases and balance transfers. I applied (hard pull) and was approved with a 665 Experian score. 80%+ utilization on the two active cards I had at the time. Perfect payment history on my current PNC auto loan. Baddies were late payments from about 4 years ago. I just about fell off my chair when I saw my approved SL. PNC definitely took a chance on me, so it was a good kick start to my mini app spree. I definitely took advantage of that balance transfer APR to get my overall utilization down.