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[PC Financial World Elite Mastercard] $100 GC + 20,000 PC points

  • Last Updated:
  • Oct 9th, 2018 7:29 pm
Member
Apr 7, 2015
321 posts
164 upvotes
Vancouver Island
Quick question, but how large of a credit can I have on this card?

It says you can make checks out to this card, which would be great for paying rent. If I were to send them $1000 over what I owe, is there an issue with that?

I'd heard in the past that only banks can hold more than a certain amount of funds as a credit, and I'm having trouble finding info.
Jr. Member
User avatar
Oct 4, 2010
117 posts
34 upvotes
Torontoish
I can't find any mention of 20k points. It appears that aspect is dead?
Help is on the way!
Jr. Member
User avatar
Oct 4, 2010
117 posts
34 upvotes
Torontoish
Omakase wrote:
Feb 12th, 2018 9:01 pm
399950F9-037F-41C5-8E82-C01ECE7A9496.jpeg
Okay, so it appears people are still getting 20k. When did you apply?
Help is on the way!
Sr. Member
Nov 29, 2017
940 posts
690 upvotes
MrsDoubtfire wrote:
Feb 12th, 2018 9:25 pm
Okay, so it appears people are still getting 20k. When did you apply?
A week ago
Deal Addict
Aug 20, 2008
2750 posts
655 upvotes
North York
Omakase wrote:
Feb 13th, 2018 6:13 am
There’s no iOS app for this card?
ugh that's disappointing. But I guess I manage using my Rogers MasterCard, which also doesn't have one.

Does the online portal at least show pending transactions?
Sr. Member
Nov 29, 2017
940 posts
690 upvotes
Cjohnson202 wrote:
Feb 13th, 2018 10:22 am
Does the online portal at least show pending transactions?
yes
Deal Guru
User avatar
Dec 30, 2004
12620 posts
686 upvotes
Toronto
applied over a week ago... still no response from PC regarding application. Do they email or just send the card out?
Sr. Member
Nov 29, 2017
940 posts
690 upvotes
belfour wrote:
Feb 13th, 2018 11:12 am
applied over a week ago... still no response from PC regarding application. Do they email or just send the card out?
Just send the card
Member
Jan 12, 2013
369 posts
251 upvotes
Halifax
belfour wrote:
Feb 13th, 2018 11:12 am
applied over a week ago... still no response from PC regarding application. Do they email or just send the card out?
I never heard anything from them ie. no email or phone call. My status on ratesupermarket went to approved after about 4 business days, and then about 4 business days later the card was in my mail box.
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Sr. Member
Apr 10, 2011
953 posts
461 upvotes
Vancouver
Have people tried calling PC Financial and trying/hounding them to price match the deal $100 + $20?

They probably won't because the extra reward may be RateSupermarket's kickback finder's fee that RS may be bouncing back to the applicant??
RxMills wrote:
Feb 12th, 2018 5:34 pm
Late to the game here.
What does RateSupermarket get out of this?

They are owned by a mortgage broker called Kanetix and have all their marketing & public relations done by BlueSkyCommunications.

Do they all get our financial details?

Do any of them telemarket or mass e-mail you afterwards?

The BBB has no reviews on them, though there were 4 complaints that were resolved with the issuance of gift cards.

My guess is they are willing to give up most or all of their referral fees in exchange for building a marketing database with solid recent financial consumer data.

Do they resell this data or use it internally to market their own aftermarket mort
Deal Addict
Aug 20, 2008
2750 posts
655 upvotes
North York
I applied last night around 6pm. Just got emailed now (20 hours later) with approval for the World Elite Master Card. My credit rating is well in the 800s, so I don't know if that has anything to do with the quick approval.

Here's hoping I get my $100 iTunes gift card promptly. Hello 10 months free of Apple Music!
Newbie
Sep 6, 2012
48 posts
24 upvotes
GTA
Cjohnson202 wrote:
Feb 13th, 2018 2:08 pm
I applied last night around 6pm. Just got emailed now (20 hours later) with approval for the World Elite Master Card. My credit rating is well in the 800s, so I don't know if that has anything to do with the quick approval.

Here's hoping I get my $100 iTunes gift card promptly. Hello 10 months free of Apple Music!

same here. I applied about the same time (6:00pm yesterday) and got approval email at 2:06pm. But then, many financial company offer instant approval already. What I want to know though is what the credit limit will be. Some companies offer instant approval but with very trivial credit limits; that was almost meaningless to even apply...Angry Face
Newbie
Nov 22, 2017
23 posts
4 upvotes
I have this card. Coupled with my Scotia Momentum Visa Infinite, it's pure gold! I double dip on points at the grocery store (4% cashback on Visa) plus the PC points for shopping there, plus digital offers. I double dip on points at Superstore gas bars too. 4% cashback on the Visa and 2c/litre PC points on the gas. Now with the Shopper's Drug Mart points/PC point merger it gets even better. 2% cashback from the Visa plus PC Optimum points for spending at Shopper's. The Scotia card is also good for 2% on recurring monthly bills.

These 2 cards are earning me over $1000/year even after the $99 fee for the Scotia card.

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