@CreditDrama85 wrote:i was thinking about getting this card. i have some negatives falling off and would like to add a few good TLs. once upon a time you could call PNC and asked to be mailed an application. is that option still available or do you have to apply in the branch?
I guess my question is why pick this one when there are better options of various sorts available?
I don't know much about the PNC card other than it exists, but it always is relegated to the "third tradeline, pick up whatever you want" vs. other much better cards which should fill the first two.
Generally speaking and there's some debate on this in no particular order as people need different things:
- BOFA - hands down best secured card currently unless you need no forex capability
- NFCU - if you have access; flat 1% rewards
- Cap One: nice benefit of easily increasing limit if you have spare cash flow, no forex
- SDFCU: $0 AF, think can add funds to increase limit (secured by share account), no HP to join, no HP to get card, 1% rewards, no forex, and EMV chipped too.
- DCU: $0 AF, freebie Beacon 5.0 FICO
Pick a couple which suit your individual needs and do that would be my recommendation.
@CreditDrama85 wrote:i was thinking about getting this card. i have some negatives falling off and would like to add a few good TLs. once upon a time you could call PNC and asked to be mailed an application. is that option still available or do you have to apply in the branch?
This was my first CC and I had to go to a branch to fill up the application. I had an account with them though. It reports as secured CC and does not graduate to an unsecured card.
