The only way to get pre-approved for a PNC credit card is through an offer in the mail. Like other credit card companies, PNC mails pre-approved offers to people that might qualify for one of their credit cards. But you can't request such an offer. It is also worth noting that, unlike many other issuers, there is no online PNC pre-approval checker.
Keep in mind that getting pre-approved for a PNC credit card does not mean guaranteed approval. Receiving a pre-approval offer means you fit some general criteria established by PNC and have around a 90% chance of approval.
Here's what you should know about getting pre-approved for a PNC credit card:
PNC is one of just a few major issuers that don't let you check for credit card pre-approval online.
PNC "pre-screens" potential customers and mails pre-approved offers to those who meet their criteria.
Most PNC credit cards available right now require excellent credit to get approved.
A credit card pre-approval offer results in a soft inquiry on your credit report, which will not affect your credit score. But if you do apply for the card, a hard inquiry will follow and that will lower your score a bit.
Getting pre-approved indicates you are a good candidate for a particular card (at least from the issuer's perspective) and have high odds of approval if you apply.
If you receive a pre-approval offer from PNC, you can complete and return the attached paper application through the mail. You can also apply online or over the phone at (800) 282-7541. You will need to provide your SSN and the "Reservation Number" you received with your pre-approval offer.
Pre-approval for a PNC credit card, or any other credit card, is very beneficial. Although it may only be for one offer, you'll still get a better sense of the credit card type you're likely to get approved for. Plus, this will make it easier to find the best possible credit card for you.
PNC Bank credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN to get a PNC Bank credit card.… read full answer
Credit Requirements for Good PNC Bank Credit Card Approval Odds
While credit scores are very important, PNC Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. PNC Bank will also look at your monthly housing costs and existing debts when considering your application.
The easiest PNC credit card to get is the PNC Bank Visa® Secured Credit Card because it's available to people with limited credit. The minimum deposit to open a PNC Bank Visa® Secured Credit Card is $300, and the annual fee is $36, billed at $3 per month. You can only apply for the PNC Bank Visa® Secured Credit Card in person at a PNC branch.… read full answer
To contact the PNC Bank reconsideration line, call 1-800-762-5684. The PNC Bank reconsideration line is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. In the case of PNC Bank, the reconsideration line is the same as the issuer’s general customer service number.… read full answer
If you call to request reconsideration from PNC Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
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.