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PNC product moratorium

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Valued Contributor

PNC product moratorium

I currently have cash rewards with them with approval around March/April if I can recall. And was looking to apply for another product with them soon. Is there a mandatory waiting period before you can apply again between apps? 6 mo 12 mo etc?
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 777) (EQ 766) (EXP 744)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 1 of 9
8 REPLIES 8
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Valued Contributor

Re: PNC product moratorium

I don't know for sure but, I got denied for INQ when I applied for a card with them.  So, there's that... the inq's were low like 5-6 at the time too.  I was kind of surprised by the denial with what I was seeing with other approvals being posted.

500K+ TCL / 800+ FCOs
Message 2 of 9
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Valued Contributor

Re: PNC product moratorium

Sorry to hear about your denial. Haven’t found many data points on if there is a wait between apps. Getting kinda “antsy” around here😆
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 777) (EQ 766) (EXP 744)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 3 of 9
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Community Leader
Mega Contributor

Re: PNC product moratorium

Wish i could help you Bruiser, but i cant get past the word MoratoriumSmiley Wink
Message 4 of 9
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Moderator Emeritus

Re: PNC product moratorium

I'm not sure if there's a waiting period per se for PNC CCs, but you can always contact them and see whether there's such an internal policy. If you don't want to risk a HP then wait it out.

Anything that appeals of having a 2nd CC with them?
Message 5 of 9
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Community Leader
Super Contributor

Re: PNC product moratorium


@FinStar wrote:
I'm not sure if there's a waiting period per se for PNC CCs, but you can always contact them and see whether there's such an internal policy. If you don't want to risk a HP then wait it out.

Anything that appeals of having a 2nd CC with them?

As of late they've been floating targeted offers that while not exceptional have been halfway decent. 



(8/2020)
FICO 8 (EX) 811 (TU) 805 (EQ) 793
FICO 9 (EX) 834 (TU) 823 (EQ) 821

$1M+ club

Artist formerly known as ColdFusion
Message 6 of 9
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Valued Contributor

Re: PNC product moratorium


@AverageJoesCredit wrote:
Wish i could help you Bruiser, but i cant get past the word MoratoriumSmiley Wink


Smiley Very HappySmiley Very Happy too funny!! Just trying to be all fancy in here of late huhSmiley Very Happy
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 777) (EQ 766) (EXP 744)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 7 of 9
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Valued Contributor

Re: PNC product moratorium


@FinStar wrote:
I'm not sure if there's a waiting period per se for PNC CCs, but you can always contact them and see whether there's such an internal policy. If you don't want to risk a HP then wait it out.

Anything that appeals of having a 2nd CC with them?

 

I decided against the second guessing and just called thier sales dept and it was confirmed that there is no wait in between apps. You can even place 2 app for different products at the very same time. Also of note for those that may not know, there is sp cli's every 6 months according to the rep I spoke with.

 

As for a second card appeal, they have this core visa visa the offers BT for up to 18 months with pre mailer sometimes. Even the cold app would get 15 months BT 0% APR so it will come in quite handy for some. Smiley Wink


 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 777) (EQ 766) (EXP 744)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 8 of 9
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Valued Contributor

Re: PNC product moratorium


@the_old_curmudgeon wrote:

@FinStar wrote:
I'm not sure if there's a waiting period per se for PNC CCs, but you can always contact them and see whether there's such an internal policy. If you don't want to risk a HP then wait it out.

Anything that appeals of having a 2nd CC with them?

As of late they've been floating targeted offers that while not exceptional have been halfway decent. 


+1. I saw your approval  a few days ago for the core visa. Just a no frills card but very unique BT offer for some.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 777) (EQ 766) (EXP 744)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 9 of 9
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