topic Re: Bbva credit card integration update in Credit Cards

BBVA > PNC credit card integration update

Roger1071549 — Sun, 22 Aug 2021 21:08:08 GMT

PNC has updated their page with the credit card product peole will get. it looks like those of us withe clearpoints card will have a choice, only issue is that neither card is like the clearpoints card. Ill choose the cash (as it seems I get to choose).

https://www.pnc.com/en/about-pnc/topics/acquisition-update.html?WT.ac=bbva-home

Re: Bbva credit card integration update

JL276 — Sat, 14 Aug 2021 14:13:37 GMT

So disappointing. I had a feeling they wouldn't keep the structure of the Clear Points. Card will be sock drawered until it reaches a year old. Maybe I'll keep it for until padding but it will get 0 swipes from me when it switches to PNC.

Possible .50 Amazon reload once a year. I strictly used it for the 3% healthcare category as it covered dental and pharmacy, massages, facials etc. I shall mourn my loss.

Re: Bbva credit card integration update

gdale6 — Sat, 14 Aug 2021 14:15:41 GMT

I never thought I would ever say that I am glad I took the offer for the Comenity Mastercard instead of apping for the BBVA Clearpoints. The PNC cash rewards card is one of the stingiest I have seen with capping ALL above 1% at 8K a year.

Re: Bbva credit card integration update

JNA1 — Sat, 14 Aug 2021 15:43:10 GMT

@gdale6 wrote:
I never thought I would ever say that I am glad I took the offer for the Comenity Mastercard instead of apping for the BBVA Clearpoints. The PNC cash rewards card is one of the stingiest I have seen with capping ALL above 1% at 8K a year.

While I agree, it is a good gas card as long you spend less than 8% per year. This is no problem for us since we also have a quarter of 5% gas on the Disco card.

Re: Bbva credit card integration update

JNA1 — Sat, 14 Aug 2021 15:49:58 GMT

@JL276 wrote:
So disappointing. I had a feeling they wouldn't keep the structure of the Clear Points. Card will be sock drawered until it reaches a year old. Maybe I'll keep it for until padding but it will get 0 swipes from me when it switches to PNC.

Possible .50 Amazon reload once a year. I strictly used it for the 3% healthcare category as it covered dental and pharmacy, massages, facials etc. I shall mourn my loss.

I agree, we're losing overall our best cash back cards.

Re: Bbva credit card integration update

TheBoondocks — Sat, 14 Aug 2021 16:15:23 GMT

Wow this is good news! Thank you for the update! I will be picking up the cash rewards. Wish it was 5% tho but it's good enough.

Re: Bbva credit card integration update

Anonymous — Sat, 14 Aug 2021 16:42:31 GMT

I hope we get to choose and they don't chose for us. I rather the Cash Rewards. I read further on this page that apr and cl won't change, but cash advance limit can change.

Im sad to see BBVA clear points go. I just obtain the card in February. The 3% on healthcare and maintenance was nice. On the bright side I'm happy to have a relationship with PNC.

thanks @Roger1071549 for posting he update.

Re: Bbva credit card integration update

ChargedUp — Sat, 14 Aug 2021 18:49:25 GMT

For those of us that have AOD, Clearpoints became redundant. I now use Max Cash for utilities so losing Clearpoints isn't a great loss, but PNC would've been wise to add a Max Cash type card product to replace the BBVA cards with a superior product vs. their fixed category card.

Re: Bbva credit card integration update

Roger1071549 — Sat, 14 Aug 2021 20:57:01 GMT

@Anonymous You wre welcome. I was checking that site daily to see what PNC planned.

Now that I have calmed down from my initial knee jerk reaction of disapproval, I will keep the card. I have the Savor card (the grandfathered version). If Capital One ever asks for an annual fee, I will replace with the PNC card. Until that happens, gas only.

I am disappointed that they are getting rid of the rotating categories, but what it seems is that PNC is less interested in having lots of different types of credit

card reward programs.

Re: Bbva credit card integration update

ficosuave — Sat, 14 Aug 2021 21:21:15 GMT

Guess it was too much to ask that they might absorb the ClearPoints structure into their existing Points card.

Either way, this one's been near the bottom of my deck since the BBVA monthly bonus point offers stopped rolling in, and that seems unlikely to change.

Re: Bbva credit card integration update

CreditCuriosity — Sat, 14 Aug 2021 23:25:31 GMT

Wonder what will happen since I already have the cash rewards visa if allow two of them? No interest in points card. Suppose time will tell.

Re: Bbva credit card integration update

coldfusion — Sun, 15 Aug 2021 00:32:16 GMT

@CreditCuriosity wrote:
Wonder what will happen since I already have the cash rewards visa if allow two of them? No interest in points card. Suppose time will tell.

I'm in much the same position except that I have both options although I'd be OK if they combined the 2 CR cards.

Re: Bbva credit card integration update

Credit-hoarder — Sun, 15 Aug 2021 01:36:30 GMT

Pardon me if this question has already been asked and answered: But is it likely that PNC will keep everyone's existing CLs intact? I'm thinking of calling and asking BBVA for a huge CLI before the takeover on my BBVA AMEX.

Re: Bbva credit card integration update

ChargedUp — Sun, 15 Aug 2021 02:01:38 GMT

@Credit-hoarder wrote:
Pardon me if this question has already been asked and answered: But is it likely that PNC will keep everyone's existing CLs intact? I'm thinking of calling and asking BBVA for a huge CLI before the takeover on my BBVA AMEX.

It says on their site that CLs and APRs would remain the same. The only possible adjustment would be cash advance lines.

BBVA CLIs are HP while PNC is SP. Personally I'd wait it out but if you do, let us know the data points 👍

Re: Bbva credit card integration update

Credit-hoarder — Sun, 15 Aug 2021 02:12:26 GMT

@ChargedUp wrote:
@Credit-hoarder wrote:
Pardon me if this question has already been asked and answered: But is it likely that PNC will keep everyone's existing CLs intact? I'm thinking of calling asking BBVA for a huge CLI before the takeover on my BBVA AMEX.
It says on their site that CLs and APRs would remain the same. The only possible adjustment would be cash advance lines.

BBVA CLIs are HP while PNC is SP. Personally I'd wait it out but if you do, let us know the data points 👍

Even though it is a HP I'm still thinking of doing it with BBVA because from what I've read PNC is pretty stingey. BBVA allows CLs past $50k if CR and income support it. There was a forum member on here who got his BBVA card all the way up to around $68k before he stopped posting a few years ago.

Re: Bbva credit card integration update

bionictwist — Sun, 15 Aug 2021 03:31:36 GMT

How do I get to choose the cash rewards card if I have the clear points card? I don't see an option to choose on the bbva site and I got the welcome pack and no option there either.

Re: Bbva credit card integration update

JNA1 — Sun, 15 Aug 2021 03:46:25 GMT

@bionictwist wrote:
How do I get to choose the cash rewards card if I have the clear points card? I don't see an option to choose on the bbva site and I got the welcome pack and no option there either.

No one is able to do it yet. They are going send notifications when the time comes.

Re: Bbva credit card integration update

JNA1 — Sun, 15 Aug 2021 04:35:01 GMT

@ChargedUp wrote:
For those of us that have AOD, Clearpoints became redundant. I now use Max Cash for utilities so losing Clearpoints isn't a great loss, but PNC would've been wise to add a Max Cash type card product to replace the BBVA cards with a superior product vs. their fixed category card.

I have had the AOD card since June of last year, but it didn't make our ClearPoints cards redundant for us because of the the excellent targeted offers and Simple Cash Back offers. They were still usually one of our monthly top cash back earners until they discontinued the targeted offers after June.

I have the PNC Cash Rewards card already, so I wonder if they'll let me have two or force me to go with the Points card. Honestly, I'd probably rather just combine the CLs and have one Cash Rewards card, but I don't know if they would allow that.

Re: Bbva credit card integration update

Flfico — Sun, 15 Aug 2021 05:18:52 GMT

Aside from the targeted offers, what's the attraction to the clearpoints card? The standard rewards seem kinda meh. Am I missing something?

Re: Bbva credit card integration update

Roger1071549 — Sun, 15 Aug 2021 16:23:52 GMT

The attraction for me was 3% card that included different categories (like healthcare). It was similar to the custimized cash from BOA. Nothing amazing but better than either of the cards PNC is offering.