PNC Out of Footprint Hack?

[Anonymous]

I'm in Texas. PNC branches are not. A few months back I got an interesting pre-qual CC mailer and when I tried online got snuffed. I called and asked why are they mailing me offers I can't accept? I was told that sometimes those with existing relationships can get approved for credit products. I said. Great, let's open a checking account. She said that wouldn't work because at that time they were not extending beyond their footprint at all. In retrospect this might've been a good HUCA opportunity. But I only HU.

Having forgotten about that experience of a few months ago, and having recently read an interesting PNC approval, I decided to visit the website. I started filling in the app when deja vu said, Not again! I stopped. Called. Asked. This time the CSR said after 6 months as a banking member one becomes eligible for credit products. You sure 'bout that, I asked. Yeppers, she said. 

I opened a basic checking account, deposited $25, and it went to review! Just now I got the Approved! email. So the clock is ticking -- see ya again come end of July. 

[Anonymous]

Hope it works for you and you don't get an "out of footprint" denial in 6 months time!  But providing CSR was right, should be fine.  

[AllZero]

Thank you for the data points!

[coldfusion]

Took them almost exactly 6 months after opening my online account to my 1st preapproval, another 11 months to get my 2nd preapproval (and automatic $2.5K CLI on the 1st card), and another month for them to start sending me preapprovals for a 3rd card, which I accepted after 4 mailed and 1 emailed preapproval. 20 months from initial account opening to $65K total CL across 3 cards. 

I've never had more than $1K in my account and their nearest brick and mortar branches are almost 200 miles away in Manhattan. 

[JNA1]

Congrats! I really like my PNC Cash Rewards card. It’s a great combo card with 4% gas stations and 3% restaurants. It’s looking like it’s gong to work out great for us in combination with my 5% Disco quarter for gas. It’s trending that we can use the 5% quarters on the Disco and we will just about max out the $8K cap on the PNC card, meaning will basically get 5% on gas for 3 months, 4% for 9 months, and 5% for 3 months and 3% for 9 months on restaurants for the year.

[Anonymous]

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@coldfusion wrote:

... 20 months from initial account opening to $65K total CL across 3 cards ...  

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Good stuff there -- probably one of your approval posts put the idea in my head to seek them out. Thanks. 

[CreditCuriosity]

Or take a CCVACATION like i did and just open it in brick and mortar branch and hit a few other banks out of your geo fence while at it.  What I did to get that card among others.  If out of town anyways for business or vacation then banks are fair game and most are glad to take a CC app while there.  Now that I have a PNC CC account if I so choosed I could apply for other cc or products with them without issue

[Anonymous]

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@CreditCuriosity wrote:

Or take a CCVACATION like i did ...

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I read that.  I liked it. Hopefully ...

[ChargedUp]

Thank you for the datapoints!

I just opened a free savings account at PNC and it was approved online in California.

I'm going to leave $100 in there and see what happens in 6 -7 months.

[M_Smart007]

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@ChargedUp wrote:

Thank you for the datapoints!

I just opened a free savings account at PNC and it was approved online in California.

I'm going to leave $100 in there and see what happens in 6 -7 months.

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