Your new PNC Bank credit card will be ready to make purchases in just a few minutes, regardless of which method you use to activate it. PNC Bank does not have a certain time limit within which you need to activate your card, but it’s best to do it as soon as possible.
How to Activate a PNC Bank Credit Card
By phone: Call 1 (800) 558-8472 or the number on the sticker attached to the front of the card. Verify your personal information (e.g. Social Security number, card number, or phone number associated with your application) to activate your card.
On the website: Log in to your PNC Bank account (or create an account if you don’t have one) and find the activation page. Enter any requested security information. Activate your card as instructed.
On mobile: Log in to the PNC Bank mobile app using the same credentials that you’d use to log in online. Tap the credit card activation button, then enter any security information that’s requested on the following page.
Your new PNC Bank credit card will be available for purchases immediately after activation. If you have any trouble activating your card, PNC Bank customer service can always help you out. You can give them a call at 1 (800) 558-8472.
PNC Bank mainly uses Experian for credit card approval. TransUnion is also used as a secondary resource, if needed. Just note that regardless of the credit bureau(s) the issuer chooses to use, you will always see a hard pull on your credit report after you apply.
Yes, there are some good PNC balance transfer offers available. The best PNC balance transfer credit card is the PNC Core Visa® Credit Card because it has an intro APR of 0% for 15 months and a $0 annual fee. Balance transfers must post to your account within the first 90 days to receive the promotional APR. But there’s a 3% (min $5) balance transfer fee. The card’s regular APR is 15.24% - 27.24% (V).… read full answer
No, there are no PNC credit cards available for students right now. Plus, most PNC consumer credit cards require at least good or excellent credit for approval. That puts them out of reach not only for most college students, but also the average person.
Another credit-building option is to open a secured credit card account. A secured card requires you make an upfront deposit to set your credit limit. A good secured credit card to consider is the Capital One Platinum Secured Credit Card. You’ll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on the specifics of your credit history.
Here are some alternatives to a PNC student credit card:
The Deserve EDU offers 1% cash back on all purchases. This card is also a good choice for international students, as it has no SSN requirement and charges $0 foreign fees. The card has a $0 annual fee.
The Bank of America® Unlimited Cash Rewards credit card for Students offers a $200 after spending $1,000 in the first 90 days. Plus, the card gives 1.5% cash back on all purchases. The Bank of America® Unlimited Cash Rewards credit card for Students also comes with an intro APR of 0% for 18 months on both purchases and balance transfers. The card’s regular APR is 18.24% - 28.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
The BankAmericard® Credit Card for Students gives you a . This is one of the best student cards for financing, as it offers an intro APR of 0% for 21 months on both purchases and balance transfers. The card’s regular APR is 16.24% - 26.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
Capital One Platinum Secured offers an initial credit limit of $200 with a deposit of $49, $99 or $200, based on the specifics of your credit history. You will be eligible for a credit limit increase when you make your first six monthly payments on time. The card has a $0 annual fee.
You can also check our editors’ latest picks for the best student credit cards on the market to see which one suits your needs better.
Ultimately, it is worth noting that students can still get a PNC credit card by somehow building at least good credit or getting an existing cardholder to make them an authorized user.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.