Applied yesterday and just got an approval for the WE card via email today. Have not seen any inquiries through CreditKarma yet. Weird. Usually, CreditKarma updates the inquiries pretty soon.
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- derek1984
- Newbie
- Aug 28, 2017
- 36 posts
- 5 upvotes
- Akizuki
- Deal Addict
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- Jul 14, 2009
- 1441 posts
- 392 upvotes
- GTA
Not thread related but does checking your score on CreditKarma harm the score in anyway?
- derek1984
- Newbie
- Aug 28, 2017
- 36 posts
- 5 upvotes
I do not think so. It has been listed in their FAQ section. See the link below.
https://help.creditkarma.com/hc/en-ca/a ... dit-score-
- derek1984
- Newbie
- Aug 28, 2017
- 36 posts
- 5 upvotes
CreditKarma updates two inquiries that PCF has done. Ouch. 43 points drop!
- XOMTOR
- Member
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- Nov 21, 2009
- 246 posts
- 115 upvotes
- Moncton
Yikes, although I've heard some people get 3 hits.
I dunno but the more I read about this card, the more I'm hesitating applying. Between the hard hits, the monthly soft checks they do to constantly asses your rating and the playing around with limits/possible low intro limit just paints them as a really paranoid lender which is absurd considering their ever increasing income requirement. All for what, 3000 PC pts on a $100 grocery order? Hell, that's a drop in the bucket compared to the points we rack up on our offers. Really want to get rid of this useless Airmiles card though.
- malik1234
- Jr. Member
- Nov 7, 2012
- 140 posts
- 110 upvotes
- Toronto
Aside from the seemingly erroneous double hits, everything else is same with many other lenders: soft checks, low intro credit limits.XOMTOR wrote: ↑Dec 15th, 2017 6:12 pmYikes, although I've heard some people get 3 hits.
I dunno but the more I read about this card, the more I'm hesitating applying. Between the hard hits, the monthly soft checks they do to constantly asses your rating and the playing around with limits/possible low intro limit just paints them as a really paranoid lender which is absurd considering their ever increasing income requirement. All for what, 3000 PC pts on a $100 grocery order? Hell, that's a drop in the bucket compared to the points we rack up on our offers. Really want to get rid of this useless Airmiles card though.
- akz
- Deal Addict
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- Sep 13, 2004
- 4571 posts
- 621 upvotes
pc points and sdm being merged right? so this would most likely be the new sdm/pc card.
"The first rule of RFD is, you do not talk about RFD."
- seatiger
- Member
- Mar 30, 2017
- 264 posts
- 103 upvotes
no more 20k point?
so 3% cashback equivalent shopping at superstore right?
so 3% cashback equivalent shopping at superstore right?
5/11/18: profit YTD -3.50%
- beatles89
- Member
- Mar 13, 2017
- 259 posts
- 52 upvotes
When do the 3% points get added to your account? Just got the card and spent this weekend but I see nothing yet. I assume that I have to wait a few days?
- minimalist
- Deal Addict
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- Feb 1, 2006
- 1851 posts
- 398 upvotes
Yes, main benefit of this card is 3% back in PC points at Loblaws grocery stores, SDM, PC Travel and Loblaws Gas stations. In addition to the 3% at Loblaws branded gas stations (Superstore Gas, "Refuel", etc.) PC MC cardholders also get double the cents per litre in PC points. This differs by region/city. For example in the Ottawa area every gets 2 cents/L but PC MC holders get 4 cents/L in PC points.XOMTOR wrote: ↑Dec 15th, 2017 6:12 pmYikes, although I've heard some people get 3 hits.
I dunno but the more I read about this card, the more I'm hesitating applying. Between the hard hits, the monthly soft checks they do to constantly asses your rating and the playing around with limits/possible low intro limit just paints them as a really paranoid lender which is absurd considering their ever increasing income requirement. All for what, 3000 PC pts on a $100 grocery order? Hell, that's a drop in the bucket compared to the points we rack up on our offers. Really want to get rid of this useless Airmiles card though.
I have a feeling they'll be dropping the 3% to 2% with all the other Mastercard devaluations. (BMO WE ME, Capital One Aspire WE grandfathered, etc.)
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- MikeTO2
- Member
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- Aug 11, 2011
- 238 posts
- 145 upvotes
- Toronto
Yah looks like they removed the 20k and substituted it with a $25 donation match.
https://www.ratesupermarket.ca/deals/pc_financial -
"will donate $25 to President’s Choice® Children’s Charity.^"
- dannyphones
- Deal Addict
- Dec 10, 2010
- 1440 posts
- 346 upvotes
- Toronto
I applied for the card over the weekend and rate super market email said 100 gift card and up to 20k bonus points. I'll see when I get it what I have to do for the points.
- derek1984
- Newbie
- Aug 28, 2017
- 36 posts
- 5 upvotes
Received my card and started earning points!
It did come with four points coupons for 5k each. So that is 20k in total. Plus the RateSupermarket gift card.
PC does give me a quite low starting limit, 1k... My other cards are almost 10x the limit. LOL.
Regarding the double credit inquiries on TransUnion, I called them to request a dispute and should be hearing back from them in 4 weeks. I will update once I have the feedback. It worths trying though.
One quick question, if I buy supreme gas at Esso, do I get 4 cents/L off or 3 cents/L? PC says 3 cents bonus, so I understood that will be based on their 1 cent base reward level.
It did come with four points coupons for 5k each. So that is 20k in total. Plus the RateSupermarket gift card.
PC does give me a quite low starting limit, 1k... My other cards are almost 10x the limit. LOL.
Regarding the double credit inquiries on TransUnion, I called them to request a dispute and should be hearing back from them in 4 weeks. I will update once I have the feedback. It worths trying though.
One quick question, if I buy supreme gas at Esso, do I get 4 cents/L off or 3 cents/L? PC says 3 cents bonus, so I understood that will be based on their 1 cent base reward level.
- Canadian765
- Newbie
- Dec 21, 2017
- 87 posts
- 3 upvotes
PC master Card is the worse credit card company they closed my for no reason 2 days before the Christmas,terrible experience
- Lawrence0317
- Banned
- Apr 19, 2016
- 435 posts
- 226 upvotes
At first time, I thought they will give me extra 25.MikeTO2 wrote: ↑Dec 19th, 2017 9:08 amYah looks like they removed the 20k and substituted it with a $25 donation match.
https://www.ratesupermarket.ca/deals/pc_financial -
"will donate $25 to President’s Choice® Children’s Charity.^"