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PNC Product Change

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PNC Product Change

So I called in to PNC credit card customer service to try to PC my old CashBuilder to a PNC Points card and I was told that it was not possible to PC between PNC cards, only to apply for a new one. Has anyone else had any luck doing a PC with PNC or are you stuck sticking unhelpful but old cards in the sockdrawer?



Message 1 of 13
12 REPLIES 12
Super Contributor

Re: PNC Product Change

I don’t know about doing the PC but be careful with their points card. It earns 4 points per dollar but at redemption works out to basically a 1% return or even less. So you’re probably never going to beat your cashbuilder with the points system.
Message 2 of 13
Moderator

Re: PNC Product Change

Unfortunately, PNC doesn't PC any of their products.
Message 3 of 13
Established Member

Re: PNC Product Change


@kdm31091 wrote:
I don’t know about doing the PC but be careful with their points card. It earns 4 points per dollar but at redemption works out to basically a 1% return or even less. So you’re probably never going to beat your cashbuilder with the points system.
The CashBuilder only earns 1.5% and minimum redemption is $50. I put all my miscellaneous purchases on my Citi DoubleCash so really only keep one recurring membership on it to keep it alive. Since points don't have the minimum redemption I figured it would be better to redeem them than have cash back expire before it hits the $50 redemption.



Message 4 of 13
Established Member

Re: PNC Product Change


@FinStar wrote:
Unfortunately, PNC doesn't PC any of their products.
Thank you



Message 5 of 13
Regular Contributor

Re: PNC Product Change

Does the PNC cash rewards have the same redemption minimum? I have been interested in it as a gas card since I still do not have a consistent one in my wallet.

Cash builder with a minimum of 50 is brutal.
Message 6 of 13
Established Member

Re: PNC Product Change


@Sage512MB wrote:
Does the PNC cash rewards have the same redemption minimum? I have been interested in it as a gas card since I still do not have a consistent one in my wallet.

Cash builder with a minimum of 50 is brutal.
Cash Rewards has a $25 redemption minimum, it's not awful for gas(4%)/restaurants(3%) but I think there are better options out there.



Message 7 of 13
Regular Contributor

Re: PNC Product Change

My significant other refuses to leave PNC bank, so my joint account will ultimately be through them. Why not have a card through them? Also a lot of Costco gas stations in the area so VISA is a must.

 

4% at a minimum of $25 isn't the end of the world. Thanks for your insight! Any insight you can give me on underwriting through them? Regional banks like them tend to be selective.

Message 8 of 13
New Contributor

Re: PNC Product Change

What about the Costco Citi VISA? 4% on Gas also..







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Leaving Garden: 2.15.20
Updated: 5.30.19


Message 9 of 13
Regular Contributor

Re: PNC Product Change


@TheAuthorizedUser wrote:

What about the Costco Citi VISA? 4% on Gas also..


I have a weird thing about my credit card account being attached to a wholesale club, even if I do not plan to cancel. If you do not renew your Costco membership, do they PC you to another card?

 

Plus Citi never gives me any prequal love. Smiley Surprised

Message 10 of 13
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