@Wavester64 wrote:
@Gmood1 wrote:
Ok somethings not right there. lol
I have PNC banks all over the place in Alabama.
What state are you in again?
Did you try filling out the PNC application to see if it would kick you out?
Ok scratch that I'm thinking PNC and not Fifth Third.
@Wavester64 have you ever considered Union Bank? They don't seem to be geo fenced.
Do they offer a good credit product? 🙂
Interesting...
5% on mobile wallet (for first $6K) got my attention, and then...
REWARD POINT REDEMPTION You may redeem points for the following:
Page 5 of 5
•Merchandise, gift cards/certificates, travel (airline, hotel and car rental), and additional redemption options based on the point redemption value associated with the Reward, which may vary depending on the Reward;
•A statement credit to your card account at a rate of 1 cent per point;
•A deposit into a Union Bank checking or savings account at a rate of 1.25 cents per point;
•A principal reduction payment to your Union Bank mortgage account at a rate of 1.50 cents per point.
So if you kick the rewards into a Union Bank Savings/Checking, the points are worth 1.25 cents.
With no AF, how does this compare to US Bank's mobile wallet bonus?
That's exactly how I redeemed my rewards. I opened up a union bank account just so I'd get the extra cash.😆
Every now and then, they will send me a spend bonus in order to entice me to use the card.
Not a terrible bank to have in your wallet for sure.
UW standards weren't picky about inqs, new accounts or overall credit limits.
I believe they pull EX bankcard. You also get your monthly EX bank card score.
@Gmood1 wrote:That's exactly how I redeemed my rewards. I opened up a union bank account just so I'd get the extra cash.😆
Every now and then, they will send me a spend bonus in order to entice me to use the card.
Not a terrible bank to have in your wallet for sure.
UW standards weren't picky about inqs, new accounts or overall credit limits.
I believe they pull EX bankcard. You also get your monthly EX bank card score.
Thanks for the DPs buddy. Maybe somewhere down the line you'll see this CC in my sig 
Yeah I believe it is BC8. Even if it were BC9. There's not enough differences to make me think it would matter. lol
Here's a screen shot of Union bank EX BC8 I think, and Suntrust EQ BC8. Both same month, a few weeks apart.
Suntrust states it is EQ BC8. I need to look around. One of my other lenders may show the EX BC scores as well.
@Wavester64 wrote:
Those 800+ scores are so bright they are hurting my eyes!
I was looking over one of my scoring history graphs for the last year with Discover earlier. Check this out. Now you know I've added umpteen new accounts during this 12 month period, actually over the last 60 months. Do you notice my scores continue to rise? Albeit at a slower pace than if I didn't app at all. But there's no denying they continue to increase. That's what I can't get some of the noobs or even oldheads to understand. Those that are soooo afraid to even take one hard pull or add one new account for something they want or need. As long as you pay the bills. Your credit score will continue to rise.
Now I don't advocate folks doing what I do. But even a small fraction of that activity. You'll still be fine, is my point.
I have 22 inqs on TU by the way.
@Gmood1 wrote:
@Wavester64 wrote:
Those 800+ scores are so bright they are hurting my eyes!
I was looking over one of my scoring history graphs for the last year with Discover earlier. Check this out. Now you know I've added umpteen new accounts during this 12 month period, actually over the last 60 months. Do you notice my scores continue to rise? Albeit at a slower pace than if I didn't app at all. But there's no denying they continue to increase. That's what I can't get some of the noobs or even oldheads to understand. Those that are soooo afraid to even take one hard pull for something they want. As long as you pay the bills. Your credit score will continue to rise.
Now I don't advocate folks doing what I do. But even a small fraction of that activity. You'll still be fine, is my point.
I have 22 inqs on TU by the way.
That's why I am trying to learn from the master! 
Btw...82 Accounts! OMG that is a thing of beauty!
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
Those 800+ scores are so bright they are hurting my eyes!
I was looking over one of my scoring history graphs for the last year with Discover earlier. Check this out. Now you know I've added umpteen new accounts during this 12 month period, actually over the last 60 months. Do you notice my scores continue to rise? Albeit at a slower pace than if I didn't app at all. But there's no denying they continue to increase. That's what I can't get some of the noobs or even oldheads to understand. Those that are soooo afraid to even take one hard pull for something they want. As long as you pay the bills. Your credit score will continue to rise.
Now I don't advocate folks doing what I do. But even a small fraction of that activity. You'll still be fine, is my point.
I have 22 inqs on TU by the way.
That's why I am trying to learn from the master!
Btw...82 Accounts! OMG that is a thing of beauty!
LOL, Wish I was the master. I'm learning from masters on this site!
Actually its more than 82. I have a bunch of accounts that don't report to the CBs.
Several don't report to TU.