How do I get pre-approved for a PNC credit card?

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

• PNC Premier Traveler® Visa Signature Credit Card: Excellent credit or better
• PNC Points Visa® Credit Card: Good credit or better
• PNC Core Visa® Credit Card: Excellent credit or better
• PNC Cash Rewards® Visa® Credit Card: Excellent credit or better

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.

For a list of credit cards that you’ll have solid approval odds for, create a free WalletHub account and check out your personalized card suggestions.

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.