PNC bank - Secured card

[Anonymous]

Hello I currently have a PNC bank secured credit card, I am also banking with them with a good relationship. I have banked with them for roughly 3+ years not sure how much. In addition I have had the secured card for about 13 months with a great standing, I understand now through research the secured cards do not graduate. My credit is now very low 600s for experian through experian.com, It was very low 500 when I first applied. I was looking to get a new credit card now most likely secured due to my credit standing until I can get everything worked out, Is there any chance of me getting an unsecured card through PNC? If so is it best to call and pick their brains first?

[betax]

Hello Gooty1,

They are heavily relationship based. Get your experian fico score to 640+ and you will have a good shot of being approved for a unsecured PNC card. Also be prepared to provide POI if approved which can be done with w2 or tax return at a local branch.

[dlister70]

They are very conservative with limits too from what I've read and experienced.

I was approved for a $10,000 Discover card a couple weeks before I was approved for a $1,500 PNC card.  And they've never given me a CLI on the PNC card in 18 months.

It doesn't need a big limit to serve it's purpose as my restaurant card, so it's fine for me.

I will say that I used to have quite a few problems with paying my car loan on time with PNC in the past, so that may be why they've considered me a risk and given me a smaller limit.  My mortgage and checking account are through them too and neither of those have ever been an issue, nor has the credit card since I got it.  I've since re-financed the car loan to my credit union for a lower interest rate.

[Guyatthebeach]

Gooty1,

I have bank with PNC for several years. As a matter of fact, they were the only bank that would work with my after my bankruptcy.  I got the secured card after my bankruptcy was discharged and kept until I got above for unsecured credit cards.  I never tried for a credit card with hem until after they approved my car loan.  Now I have a car loan with 2 credit cards and can’t say a bad thing about them.  

I would check to see if there is a pre-approved card in your offers. I never had one, but you never know.  From what I have heard you have to have a FICO score around 650 to get an approval. You sound like you’re close to that.  Since you already have a relationship with them, I would sit down and talk to them.  You can also apply for a credit card and they can submit a reconn at the branch.  

Hope this helps.

Guyatthebeach