Applied for this card after I recieved a prequalification offer in the mail, offering 0% on balance transfers for 15 months. I have a couple of high interest cards with high utilization that I'm working on paying down, and putting the $100+ a month I'm paying in interest into the principal would help tremendously. Above average reward levels for future usage, as well.
They must put a lot of weight into some internal scoring system, because with a score of around 635 and around 70% current utilization across my cards, no lender in their right mind should be considering me right now, but they approved me instantly for $6600 and "upgraded" me to a Signature Visa, which now makes it my highest limit card.
I've been banking with them (direct deposit) for over a decade and financed two cars (one current) with a perfect payment record.
If you've got an existing good relationship with PNC, that appears to matter to them more than your score when applying for credit.