Congrats on the nice starting limit.
As with nearly all CC applications, that limit was selected by a computer algorithm based on what the computer knows about you. Recon typically involves calling a CSR who has some access to the credit review screens, where the computer algorithm presents available overrides if other information may be available. If the customer states they will use the card for a large known transaction at a store and needs the extra credit limit, that may lead to a higher CL.
Your personal banker is there for you to talk one on one to navigate all the available services the bank has to offer you. Each of those services on offer is intended to encourage you to make PNC your primary bank, since those services offerings lead, in a roundabout way, to bank revenue.
Credit card decisions aren't directly made by the personal banker, although you meeting with the banker and outlining your plans to migrate all your banking activities to PNC, including thousands per month on the credit card, would be an impressive portfolio of data that the banker might use to call a credit decision line to lobby the same CSR group on your behalf to increase your credit line. Or, it may be that the banker types in notes to the credit decision makers, notes about all the business you are bringing to PNC. Then the banker ( through electronic credentials) submits those text notes to the credit department, turns to you and says "We should hear back in a few days with the decision".
NRB525 described it in a nutshell. The personal banker can't override a decision but they can lobby on your behalf and often get influencers and decision-makers to pick up the phone that a CSR could not or do not know to contact.
I used to bank with PNC, and when getting vehicle loan back in 2006 (old DP), the person asked about my interest in a credit card. I told the person I was interested, but I was denied for one recently. I forget the reason, but it was going to be my very first credit card, so I'm sure I had no history. They left and came back and said I was approved. Like the other members said, I don't think they can change an outcome, but they do have sway to lobby the people that can change outcomes. I would hope that it is still the same today.
