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Just learned about some CL features from PNC

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NoMoreE46
Community Leader
Senior Contributor

Just learned about some CL features from PNC

While visiting pnc.com for my Points card, I decided to request a credit limit change. 

So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

 

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

 

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.

Message 1 of 14
13 REPLIES 13
OmarGB9
Community Leader
Super Contributor

Re: Just learned about some CL features from PNC

That's pretty convenient. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 14
Cashbackjunky
Established Contributor

Re: Just learned about some CL features from PNC

@NoMoreE46 wrote:

While visiting pnc.com for my Points card, I decided to request a credit limit change. 

So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

 

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

 

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.


Very cool! This is reminiscent of Citi's new CLI page that tells you the exact date you're eligible. 

I fully expect to see a CLI approval post from you on the 8th of next month

AmEx Blue Cash Preferred - $20k | | AmEx Cash Magnet - $20k | | Apple Card - $29k | | BofA Customized Cash - $99.9k | | BofA Customized Cash - $25k | | BofA Unlimited Cash - $30k | | CapOne Quicksilver - $30k | | CapOne Savor One - $17.25k | | Chase Amazon - $29.7k | | Chase Freedom Unlimited - $25.5k | | Chase Freedom - $20k | | Chase Freedom Flex - $47k | | Citi Custom Cash - $19.9k | | Citi Rewards+ - $15.4k | | Discover It Cash Back - $18k | | Discover It Cash Back - $21.3k | |Discover It Travel - $14.5k | | Elan Max Cash Preferred- $15k | | PayPal Cashback Mastercard - $20k | | PenFed Platinum Rewards Visa Signature - $12.5k | | PenFed Power Cash - $12.5k | | Synchrony Discount Tire Card - $25k | | Wells Fargo Autograph - $25k
838 INQ:
2
838 INQ:
3
829 INQ:
2

TCL: $589.45k CCs:23 AAoA: 6yr 2mo Util: ~1% Derog: 0

Mortgage: $213.3k Car Loan 1: $22.1k Car Loan 2: $22.2k
Message 3 of 14
M_Smart007
Legendary Contributor

Re: Just learned about some CL features from PNC


@NoMoreE46 wrote:

While visiting pnc.com for my Points card, I decided to request a credit limit change. 

So in addition to request an Increase, I thought it was peculiar for the option to also a request a Decrease.

 

I hit the Increase naturally of course (was denied) but got this neat/detailed response where it informs you when you are again eligible:

 

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/08/2022. Thank you for being a valued PNC Customer.


It is a nice featureSmiley Happy

Customer Service

Request Credit Limit Change

Thank you for your recent request for a credit limit increase. We regret to inform you that we are unable to process your request at this time as your last credit limit change was within the last 6 months. The next time you are eligible to request a credit limit increase is 08/07/2022. Thank you for being a valued PNC Customer.

Message 4 of 14
NoMoreE46
Community Leader
Senior Contributor

Re: Just learned about some CL features from PNC

Yo @M_Smart007 !

Looks like we are just one day apart on our PNC CLIs!

 

 

Message 5 of 14
Creditsen
Regular Contributor

Re: Just learned about some CL features from PNC

Thank you for sharing! Maybe I will try an increase request




Message 6 of 14
NoMoreE46
Community Leader
Senior Contributor

Re: Just learned about some CL features from PNC

Have ya tried @Creditsen ?

Message 7 of 14
Creditsen
Regular Contributor

Re: Just learned about some CL features from PNC


@NoMoreE46 wrote:

Have ya tried @Creditsen ?


I just spent a bit of time searching around the site and found the CLI button. My salary has increased in the last year almost 60% so it may be a factor but I was approved and moved up from $11,500 to $16,500! I tried the Discover Luv button and no luck, despite the salary increase. Discover seems to prefer higher use and I am the type that pays off my card almost immediately after I spend.




Message 8 of 14
Wavester64
Valued Contributor

Re: Just learned about some CL features from PNC

Curious if anyone is getting approved for CLI's without putting a lot of spend on the PNC CC? 🤔






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Message 9 of 14
Creditsen
Regular Contributor

Re: Just learned about some CL features from PNC


@Wavester64 wrote:

Curious if anyone is getting approved for CLI's without putting a lot of spend on the PNC CC? 🤔


I consistently have a low spend on my pnc card. I usually don't let it go over $200 before paying it off immediately. I did get a significant increase in income and indicated that on my last request. But I asked for a CLI today and they approved $5000 increase despite my very low usage.

Edit: $5000 not $400. I don't even know how I math'ed that poorly.




Message 10 of 14
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