When I did my wife's mini-AOR recently had no problem with PNC even though it was one of the last of about 15 different applications.

Funnily enough HSBC phoned a couple of times and wrote wanting paystubs, income proof etc and frankly at that point I already had enough cards not to be too worried about not getting that one. Plus although I can impersonate my wife on the phone I can't always be bothered. I figured they'd just give up and reject the application but, no, in came a card with a $5k limit. I guess if I'd have sent in proof of income the CL would have been more like the 15-20k ones the other cards had.

I just did two PNC cards in my AOR.

The first was the personal card and it was near the top - instant approval. The next was the business card which was around 2/3 of the way through. I was deferred, so don't know what will happen with that one.

My suggestion is to do PNC at the front of the AOR and possibly avoid problems.

Bump on this one...I applied for the pnc card and got a letter asking me to call and talked to their rep. They asked why I was applying for so many cards and said that I was starting a new business and needed the purchasing power...they ended up saying "ok" and I would get my new card in a week or so...Actually were quite pleasant...man, I need to let some of my accounts age

PNC is an elan administered card, which is an affiliate of US Bank.
US bank was the only bank that called me during my last AOR, they seemed to have a problem with me having a PMB as my home address.
I gave them another address, which was on my reports also, and they were ok with it.

Chase credit card and checking account fraud departments are separate.

Slightly OT, but since we've got a few people with actual PNC experience here ... Do they send BT checks which one can write out to self? Do they ACH to checking or BT to ceck card? Thanks beforehand for the info.

mbaker4096 said:Convenience checks will be sent. Be patient.
They take a really long time, like 3-4 weeks. If you have another card to wash it through, call them up, and have them send a BT check directly. That will cut the waiting time in half.

ILikeDollars said:CrazyRus said:

Don't know about "fraud checks", but IMO Chase has THE BEST fraud prevention department. Once I've had CC # stolen, they somehow figured it out, cancelled the card, called me right away and overnighted a new card. They also called a couple of times after that when there was too much activity on any account just to check in (we're talking over 3K a day). These guys are good!

Yeah, they are vigilant, and it irritates the @#$% out of me. For some reason my spending patterns always trigger these account freezes and fraud verification BS. Then, when I'm irritated that my card was declined when trying to make a purchase, they expect me to thank them for the inconvenience. I always ask them to note my account that I never want my account frozen for any reason - and of course they tell me they will take whatever action they think is appropriate. The CC companies don't do this stuff because they are looking out for you - they know that legally you aren't responsible for fraudulent charges. They are simply trying to cover their own assets.

I have the same problem. Some days FatWallet will have lots of deals and I will make quite a few purchases on a credit card and then go out to lunch or stop by a B&M store only to have my card declined! It has happened to me twice. I finally told them that I use my card primarily for internet use and that there would sometimes be many charges in one day (sometimes from the same company). I have never gotten my account frozen again.