Is there a fee for PC Mastercard?
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Is there a fee for PC Mastercard?
No annual fee The President’s Choice Financial® Mastercard® is your key to free. It’s easy, you’ll earn PC Optimum points for every dollar you spend on your PC Financial® Mastercard everywhere you shop.
Do credit cards have inactivity fees?
Dormancy fees, also called inactivity fees, are no longer allowed in the United States under the Credit CARD Act of 2009. 1 However, credit card issuers are allowed to cancel a cardholder’s account for inactivity of a year or longer.
Does PC Financial charge NSF fees?
Even though the PC Money Account is similar to a prepaid credit card, you can still go into overdraft which would trigger a $40 Non-sufficient funds (NSF) fee.
How do I pay my PC Mastercard online?
Using Bill Payments
- Log in to your PC Financial® mobile app or online account.
- Click the pay and fund button (the “+” on your mobile app)
- Click pay bills, and add a new payee.
- Find “PC Financial Mastercard”
- Enter the sixteen digits of your PC® Mastercard.
What are the benefits of PC Mastercard?
Accelerate your points earning with a PC Mastercard.
| Select a card | PC Optimum | PC Mastercard® |
|---|---|---|
| In our grocery stores and more! | Earn points in-store and by loading offers. | 10 per $1 1 |
| 15 per $1 2 | 25 per $1 2 | |
| 10 per litre3 | Earn at least 30 per litre3 | |
| – | 20 per $1 4 |
Is it better to close a credit card or let it go inactive?
In general, it’s best to keep unused credit cards open so that you benefit from a longer average credit history and a larger amount of available credit. Credit scoring models reward you for having long-standing credit accounts, and for using only a small portion of your credit limit.
How long before credit card closed for inactivity?
If you don’t use a credit card for a year or more, the issuer may decide to close the account. In fact, inactivity is one of the most common reasons for account cancellations.
How do I get my NSF fee waived?
Bank policies vary, but an NSF fee can often be waived after the fact—especially if it’s the first time, or the first time in a long time, that you’ve gotten one. Call the bank’s customer service line, and request a refund for a fee you’ve been slapped with—the sooner, the better.
How do I pay my PC Financial Mastercard balance?
There are three ways to pay your PC Financial Mastercard:
- Online, telephone, bank machine: Electronic payments are your quickest and most convenient option.
- Mail in: Address your envelope, to: PC Financial Mastercard, P.O. Box 4405, STN A, Toronto, ON M5W 5Y6.
How long does it take for a credit card to close due to inactivity?
There’s no standard inactivity time limit, so it’s difficult to predict when a credit card issuer will close your credit card. It could be six months, one year, two years, or more. You can prevent inactivity cancellations by using your credit card periodically.
How long will a credit card stay active without use?
There’s no definitive rule for how often you need to use your credit card in order to build credit. Some credit card issuers will close your credit card account if it goes unused for a certain period of months. The specifics depend on the credit card issuer, but the range is generally between 12 and 24 months.
Can NSF fee be refunded?
