Interesting about PNC. A few years back I tried to obtain a VERY small mortgage from USAA, a place where I had 5x the loan amount asked for in deposits, had been with since 1988, 815 credit score (was almost 850 before divorce), had two previous mortgages, all insurance, brokerage account, credit cards... No deal they said, because as an ER I had no steady "income" (read job), but well over a million in verifiable investments, many of them very liquid. PNC approved me very quickly, even with a two year banking and CC relationship. All paperwork was sent quickly, and the process was smooth and easy.
Speaking of PNC and credit cards, my ex wife cancelled our joint USAA CC's w/o me knowing, leaving me in a bind. So even with what I mention above, the best USAA could do was $1500 for a new CC for me... What fucking BS, but seems the new standard for USAA these days. Walked into a PNC branch to open a savings account having never been a customer, and while waiting to process the savings paperwork, the gal asked me if I would be interested in a PNC CC. Sure I say, so a few minutes later she tells me I was approved for $1750. I figured OK, told her thanks, and when looking over the paperwork it was $17,500 line of credit. Now how the hell does that happen???
I'm no fanboi for, or of any bank, but in my particular circumstance PNC has done OK by me... And yes I have read plenty of negative reviews for them, like about every other bank in existence.