EmmaPine

4 Contributions 87 People Helped

Member Since: November 2013

Most Helpful Contribution

PNC Cash Rewards® Visa® Credit Card

Mar 28, 2019
Horrible Customer Service
Helpful to 78 out of 83 people

The card itself is fine. If you want to pay using paper and stamps, it's fine. If you want mobile access, there's an app, but you have to wait 2 weeks after you receive the card to have PNC mail you an "online banking PIN" in order to be able to set up the app. Once you set up mobile access, you still can't pay using the app, because you need to go set up some additional PNC online banking thing, rather than being able to add in your existing non-PNC bank account like EVERY OTHER CREDIT CARD APP OUT THERE. Instead of being able to do that easily, you must call PNC bank, navigate their entirely terrible automated line, and then be told by a real person, "Oh, you called the number that the pop-up on the Website told you to call in order to solve this issue? I'm sorry, I work with personal banking accounts and can't help with that - I have to transfer you to the credit card division." And you end up back at the beginning of the automated maze. When you get to someone else, they demand to know details about your loan with PNC, despite you calling about the credit card and not having your loan information available. It was at that point I asked to be transferred to someone who could help with cancelling the credit card. And that's what I did, explaining that this is the worst credit card experience I've ever had in JUST. TRYING. TO. PAY. THE. CARD.

Again, the card itself is fine. If you never plan to call them (tip: NEVER PLAN TO CALL THEM), and you never plan to have full mobile/online access to your account, and if you like doing the whole paper and stamp thing every month, this card is for you. If you like neverending exercises in frustration with customer service and having to jump through numerous hoops JUST TO HAVE THE ABILITY TO PAY VIA AN APP, this card is for you. Otherwise, protect your blood pressure and skip this card and avoid PNC Bank at all costs.

Activity (4 Total Contributions)

PNC Cash Rewards® Visa® Credit Card

Mar 28, 2019
Horrible Customer Service
Helpful to 78 out of 83 people

The card itself is fine. If you want to pay using paper and stamps, it's fine. If you want mobile access, there's an app, but you have to wait 2 weeks after you receive the card to have PNC mail you an "online banking PIN" in order to be able to set up the app. Once you set up mobile access, you still can't pay using the app, because you need to go set up some additional PNC online banking thing, rather than being able to add in your existing non-PNC bank account like EVERY OTHER CREDIT CARD APP OUT THERE. Instead of being able to do that easily, you must call PNC bank, navigate their entirely terrible automated line, and then be told by a real person, "Oh, you called the number that the pop-up on the Website told you to call in order to solve this issue? I'm sorry, I work with personal banking accounts and can't help with that - I have to transfer you to the credit card division." And you end up back at the beginning of the automated maze. When you get to someone else, they demand to know details about your loan with PNC, despite you calling about the credit card and not having your loan information available. It was at that point I asked to be transferred to someone who could help with cancelling the credit card. And that's what I did, explaining that this is the worst credit card experience I've ever had in JUST. TRYING. TO. PAY. THE. CARD.

Again, the card itself is fine. If you never plan to call them (tip: NEVER PLAN TO CALL THEM), and you never plan to have full mobile/online access to your account, and if you like doing the whole paper and stamp thing every month, this card is for you. If you like neverending exercises in frustration with customer service and having to jump through numerous hoops JUST TO HAVE THE ABILITY TO PAY VIA AN APP, this card is for you. Otherwise, protect your blood pressure and skip this card and avoid PNC Bank at all costs.

PNC Cash Rewards® Visa® Credit Card

Apr 05, 2019
Helpful to 2 out of 2 people

In my experience (described below), it was not. I had to call them (which is a nightmare - their phone system is for banking customers, and it's like they don't realize they have credit card customers; plus, it's a giant pain to navigate the automated system, since that's ALSO set up ONLY for banking customers, and it repeatedly demands the online banking PIN that you're calling to actually get) and they said it would come 1-2 weeks after receiving the card. Mine came 2 weeks after receiving the card.

I've had Amex, Cap One, Barclays, BoA, Chase cards - excellent credit - and never, ever, ever anything like this experience of needing a PIN to access an app and set up payment. PNC is meant for personal banking members, plain and simple. Avoid.

PNC Cash Rewards® Visa® Credit Card

Apr 10, 2019
Helpful to 4 out of 5 people

Perfect! I live 30 miles from a branch. So convenient.

PNC Cash Rewards® Visa® Credit Card

Apr 05, 2019
Helpful to 3 out of 6 people

No, they told me I must have a PNC personal banking account to pay through the app. Ridiculous. PNC is the worst, even when I went through them set up a loan (can't do auto pay, can't do online banking, have to paper/stamp it or drive 30 miles to a branch). I live in 2019 and am not going to a bank each month to pay off a card lol.