Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
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.
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