🚀 A Few Recent Approvals: The 91-Day Strategy with PNC (Experian Focus)

I’m sharing some recent business credit approvals of mine!

So here’s the deals: I recently nailed some solid approvals – $25K from PNC Bank, $40K combined from First Horizon (that’s both BCC and BLOC), and another $25K from Chase Bank. Oddly enough, this is my second round with Chase this year; the first one capped at $15K for another biz. Not sure why Chase is holding back, but hey, that’s the game.

Credit Limit Increase Tip: Did you know with Chase you can request a credit limit increase with just a soft pull? Yep, just call them up and chat it out – it's a great way to learn what’s possible without impacting your credit score too much. Pro tip: Make sure to lock up your credit bureaus before making the request. I did!

The PNC Arena: Here’s a thing with PNC – they like to see some meaty transactions and bank statements. My banker was quick to hint at a juicy $100K no-doc BLOC during my first visit. But, the very next day, he advised waiting another 30 to 60 days before applying to really beef up my transaction history. So, if you’re eyeing something similar, consider waiting about 91 days in total, showing as many deposits and payments as you can. This could really ramp up your chances for a near $100K approval.

🤫 Insider Tip with PNC: Another cool thing with PNC is that they only do a soft pull for business lines of credit and auto loans. Just keep your Experian inquiries low – under 2 or 3 in the last six months should keep you in the safe zone to pull that credit trigger.

💬 Ever Heard of the Reconsideration Line? Yup, if things don’t go your way initially, there’s always the reconsideration line. I believe it's a different department that can give you a second shot at pleading your case for credit.

These are a few tactical moves and some patience can really turn the tides in your favor when building business credit. Has anyone else had similar experiences or used the reconsideration line successfully?

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