You’ve provided all the required information, hit the submit button on your PNC credit card application, and though you might have been anticipating an immediate decision, you received a “pending application.” To some, this might seem like a prolonged path to denial, but that’s not always the case. Your application might just be flagged because of inconsistent information (e.g. conflicting addresses, maiden names, etc.), the bank’s fraud protection strategy, or the need for income verification.
If your PNC application is pending, you can check on the status at any time by contacting PNC using the step-by-step guide below.
How to Check a PNC Credit Card Application Status
All PNC credit card applicants who’ve had their applications placed in pending status will receive notification of approval or denial via the U.S. Postal Service. This notification letter is typically sent out within seven to 10 days of the original application date. If you’re approved, you’ll likely receive information about your new terms, rates, etc. If you’re denied, you’ll receive an explanation of PNC’s decision.
However, if you’d prefer not to wait for notification by mail, or if more than 10 days have passed and you haven’t received notification, you can check your credit card application status by phone.
To get started, you should have your application number or reference number on hand. If you do not have that information, a representative will be able to pull up your application using your Social Security number (SSN). Once you’re ready, follow these steps to obtain a status update:
- Call the PNC Credit Card Underwriting Department at (800) 762-0974. This department is open Monday through Friday from 8 a.m. to 7 p.m. (ET) and Saturdays from 9 a.m. to 12 p.m. (ET).
- Once connected, listen to the menu options and when you hear, “for all other questions, please press 3,” press the ‘3’ key on your phone or keypad.
- Please note that the PNC Credit Card Underwriting Department greeting is not branded (e.g. “PNC” is not initially mentioned). Instead, the greeting will simply say “Thank you for calling credit and underwriting…”
- The next menu will allow you to choose between routing options for PNC employees (branch or non-branch) or for “all other callers.” When you hear “For all other callers, please press 3,” press the ‘3’ key.
- The following menu will prompt you to select the reason for your call, starting with a new application request. Once you hear, “If you’re calling about the status of an application, please press 2,” press the ‘2’ key. Then, you will be connected to a PNC underwriting representative who can provide you with information about your application status.
If you are denied a PNC credit card and are interested in searching for another option. You can check the best credit cards reviewed by our team. Make sure to avoid applying for too many cards in a short period of time as this can hurt your credit score.