@Anonymous wrote:3 years ago, I had checking account with PNC that was charged off due to a negative balance and me being financially illiterate. There is an entry in my EWS report from them and the amount is settled (not PIF). PNC pretty much terminated my entire relationship and closed all my accounts I had with them. I remember a phone call I had with a lady that was quite irritating as she was very reluctant to giving me reasons for the decision.
I also had a business account that was closed off and I paid in full with no issues during this time.
The last time I applied for a personal account was 08/15/2019 and I applied online, and a letter was generated telling me to call in for more info. I called in and the lady told me that I was being denied because of past account history. (Not EWS) Okay, understood. I will give it some time and sort my financial life out.
Fast forward now I am waiting for a ch7 discharge and starting out completely clean. I have been banking with PENFED for the past 2.5 years and they have been fantastic. I just want to try and reestablish my relationship with PNC. With the entry in EWS it’s quite possible I will have to wait the 7 years out but I wanted to reach out and see what your guy's thoughts are on this. I can confidently tell you and I am not being denied because of EWS but I feal like if I try and apply now, it is going to be that reason
Let me know you thoughts.
While I don't have any info specific to PNC, I can tell you that all banks have their own internal memory that can go one for-ev-er regardless of EWS. Are you looking to just get in PNC with another checking account or are we talking credit cards or another type of lending?
I'd recommend starting a new relationship elsewhere with a clean slate or sticking with PenFed if you're happy with them.
@Anonymous wrote:3 years ago, I had checking account with PNC that was charged off due to a negative balance and me being financially illiterate. There is an entry in my EWS report from them and the amount is settled (not PIF). PNC pretty much terminated my entire relationship and closed all my accounts I had with them. I remember a phone call I had with a lady that was quite irritating as she was very reluctant to giving me reasons for the decision.
I also had a business account that was closed off and I paid in full with no issues during this time.
The last time I applied for a personal account was 08/15/2019 and I applied online, and a letter was generated telling me to call in for more info. I called in and the lady told me that I was being denied because of past account history. (Not EWS) Okay, understood. I will give it some time and sort my financial life out.
Fast forward now I am waiting for a ch7 discharge and starting out completely clean. I have been banking with PENFED for the past 2.5 years and they have been fantastic. I just want to try and reestablish my relationship with PNC. With the entry in EWS it’s quite possible I will have to wait the 7 years out but I wanted to reach out and see what your guy's thoughts are on this. I can confidently tell you and I am not being denied because of EWS but I feal like if I try and apply now, it is going to be that reason.
Let me know you thoughts.
Have you tried BBVA? They were acquired by PNC so that may be a back door option when the accounts get converted over to PNC later in 2021 after the acquisition is completed.
Plus, BBVA is currently offering sign up bonuses. I know I'm in EWS from 2017 and was approved for BBVA in December, 2020.
