What credit bureau does PNC Bank use for credit card approval?

The PNC Visa® Business Credit Card mainly uses the Experian credit bureau for approval. A hard inquiry will also be conducted if you decide to apply.

After approval, PNC Visa® Business Credit Card will report to all three major business credit bureaus: Dun & Bradstreet, Experian, and Equifax.

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.… read full answer

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.

You need a score of 750 to qualify for most PNC credit cards. That means an excellent credit is required for approval.

PNC offers multiple cards with no annual fee and a zero percent introductory APR. Their offers are reasonably good and the credit limits are high, but that's to be expected when top-notch credit is required.… read full answer

PNC Credit Card Credit Score Requirements

• PNC Core Visa® Credit Card: Excellent Credit (750)
• PNC Cash Rewards® Visa® Credit Card: Excellent Credit (750)
• PNC Premier Traveler® Visa Signature Credit Card: Excellent Credit (750)
• PNC Points Visa® Credit Card: Good Credit (700+)
• PNC Points Visa® Business Credit Card: Good Credit (700+)

Be sure to check your credit score regularly to assess your chances of meeting the PNC credit card credit score requirements.