Shopping Discussion

PC Optimum Discussion Thread 2020

  • Last Updated:
  • Oct 30th, 2020 8:37 pm
Member
Aug 27, 2010
475 posts
179 upvotes
Toronto
Question.. PC financial credit card gives 25 points at shoppers, is that on top the 10 you would normally get? So it would be 35 per dollar?
Also if you buy on 20X points days does it multiply the base 10 points or the 25 the credit card provides.

Thanks
Member
Jun 25, 2018
267 posts
304 upvotes
Southern N.B.
greenbaido wrote: Question.. PC financial credit card gives 25 points at shoppers, is that on top the 10 you would normally get? So it would be 35 per dollar?
Also if you buy on 20X points days does it multiply the base 10 points or the 25 the credit card provides.

Thanks
SDM base is 15/$ (edit add) with $'s being rounded down to nearest $

PCMC base card is 10/$
PCMC world card gives 10 + bonus 10.
PCMC elite card gives 10 + bonus 20.

SDM 20x is only on SDMs base of 15/$ , shown on receipt as 2 entries
1.) base 15 x $x
2.) 15 x 19(20-1) x $x

cheers
Last edited by pointers on Sep 19th, 2020 11:59 pm, edited 1 time in total.
Member
Aug 27, 2010
475 posts
179 upvotes
Toronto
So if I spent $100 on 20x points days and used my PC base card..how many points would I get?

Would it be...(15points) x $100 x (20x points day)= 30k points
Plus credit card points (10points per $) x $100 x (20x points day) = 20K points

So in total would be 50k in points

Cheers
Deal Guru
Feb 7, 2017
14635 posts
11851 upvotes
Eastern Ontario
greenbaido wrote: So if I spent $100 on 20x points days and used my PC base card..how many points would I get?

Would it be...(15points) x $100 x (20x points day)= 30k points
Plus credit card points (10points per $) x $100 x (20x points day) = 20K points

So in total would be 50k in points

Cheers
Multipliers only apply to Instore Earned BASE POINTS
And to nothing else (ie PC+ Financial, or PC Insiders etc)

So $ 100 Spend = 100 x 15 = 1500 Base Points
x 20 (the Multiplier) = 30,000 ($ 30 ... = 30% In Points)

Then on top of that it’s whatever points you earn in the other PCO Points Sources ...

So the PC+ Base MasterCard = 10 x 100 = 1000 Points *

TOTAL = 30,000 + 1000 = 31,000

Other PC+ Credit Cards would be
* World MC = 20 x 100 = 2000
* World Elite MC = 30 x 100 = 3000
Member
Jun 25, 2018
267 posts
304 upvotes
Southern N.B.
greenbaido wrote: So if I spent $100 on 20x points days and used my PC base card..how many points would I get?

Would it be...(15points) x $100 x (20x points day)= 30k points
Plus credit card points (10points per $) x $100 x (20x points day) = 20K points

So in total would be 50k in points

Cheers
no.
but you got the first part right

(15points) x $100 x (20x points day)= 30k points=30%
Plus credit card points (10points per $) x $100 x (20x points day) = 20K points <--- incorrect.
should be --> Plus credit card base points (10points per $) x $100= 1000 = 1%

Total 31K pts , with 30K pts on receipt and the PCMC 1000pts a few days later after it clears the pending process

edit, ...geez @PointsHubby is fast again
Member
Jun 25, 2018
267 posts
304 upvotes
Southern N.B.
I'm starting to think the algorithm is losing it's digital mind.

www.pcoptimum.ca.jpg
Newbie
Feb 16, 2012
83 posts
88 upvotes
Edmonton, AB
pointers wrote: I'm starting to think the algorithm is losing it's digital mind.


www.pcoptimum.ca.jpg
This isn't new for me, I get ones like that probably every few weeks. I've always wondered about them, though. My current offering is slightly different - I've got the 20x on $50+, and it's being followed up in 2 days by 5,000 on $50+. I've long suspected they offer that combo with the hope that people can't math.
Deal Addict
Jan 19, 2017
3061 posts
1668 upvotes
6thgencivicgirl wrote: This isn't new for me, I get ones like that probably every few weeks. I've always wondered about them, though. My current offering is slightly different - I've got the 20x on $50+, and it's being followed up in 2 days by 5,000 on $50+. I've long suspected they offer that combo with the hope that people can't math.
Actually I get that kind of deal almost every day. They just change a little bit every day. The basic thing is about between 25% to 35% pts.
Deal Addict
Nov 11, 2016
1251 posts
987 upvotes
Halifax
I was a Shopper yesterday morning... aimed for $ 50 for the 20 X and ended up with 112 $.

I had a number of digital offers that I was going to use on top of this.
3 went thru but 3 did not.

When I added these up it was 10,000 points and I put in a points inquiry.

The problems were :
1. PC Great Canadian Coffee Pods - 3000 points each ( NONE received ). So purchase of 2 = 6000 points
2. Juicy Jumbo Schneiders 400 points on $ 4.00 spend. Spent 22 $. So it should have been 2000 points ( None Received )
3. Nestle treats : spent $ 7.99 . Had a 1000 points on $ 3 spend - so it should have been 2000 points ( none received )


So.... I put in the Inquiry for 10,000 points but I am thinking i should have split it into two inquiries of 6000 and 4000 ? or maybe 3 inquiries of 6000. 2000 and 2000 ?
I usually received points back within the hour and it is been about 20 hours now without feedback.
I have a feeling it is beyond the limit.

Do you think the number was too high ? typically I am missing 800-2400 points not 10,0000 points. It may have been better received with a smaller number.
A fan of RFD
Deal Addict
Oct 3, 2018
2429 posts
2439 upvotes
GTA
bylo wrote: PSA: How My PC Optimum Account Got Hacked And I Lost $300 In Points

TL;DR: It's phishing season 365 days a year (366 this year.)
PSA: here's another recent one via SDM Texts

https://www.cbc.ca/amp/1.5725268

Online thieves scam Toronto couple out of more than $1,000 in PC Optimum points hack

- signed up for an in-store text message promotion at a Toronto Shoppers Drug Mart

Here's an excerpt:

"Every week, [PC Optimum] would text me, 'See if you're a winner and click on the link!'

One of the links I clicked, and I still have the text, asked me to enter my PC optimum information."

Yikes!
Deal Addict
Nov 11, 2016
1251 posts
987 upvotes
Halifax
naticom wrote: Couldn’t rotate offers with the household trick. Is it now banned to join/rejoin right away?

Checked my Cards section and it’s still “earn and redeem with this card”

I guess they set a timeout for accounts to join and rejoin?
I don't get this.

What is the purpose of going into and out of a household ?

The Household feature is a way of sharing a point pool and offers-usually from persons in the same house that are using the same groceries and household items.

Does it shake up the Shoppers Offers ? like change one from 20 X on $ 50 to 10,000 points on 30 $ ?
Or is the grocery offers that one is trying to get from another account ?
Do you go into and out of the Household with your significant other ? or do you need to build an alternate account ?

I see many benefits of creating a Household and just staying there - we have been in one since the start of the program.
I personally love it - see it as being one of the best parts of the program. But I know I am in the minority here - and most do not use it at all.

But there seems to be another group that use it for something different- which I don't understand. Do you join a Household and leave it an hour later ? and then join again ? For what benefit ?
Do the offers change to generic offers ? and then you have to build your history up again ?

Someone mentioned a while back that the Household feature was difficult to control for security. Maybe Loblaw's is putting IT controls in place to make it less of a problem.

On creating a Household - I believe @PointsHubby had some of the best advice and that was to try the web platform if the app was not working.
A fan of RFD
Deal Expert
Jan 7, 2002
20782 posts
14677 upvotes
Waterloo, ON
CBC wrote: "One of the links I clicked, and I still have the text, asked me to enter my PC optimum information."

So, Eggers, 37, entered the couple's log-in details.

"I believe it is at that point that my identity was compromised [ya think? ;)]," he told CBC Toronto.

All the text messages came from the same number. But only one, he says, asked him to enter his account information.
@mzmoney Yikes is right.

It's risky clicking on links in texts and emails.
It's dangerous to enter an account number.
But it's downright reckless and/or idiotic to enter login details (which presumably include the password.)

If you've legitimately won something the prize is still going to be there when you call PCO's number directly or send them an email using the address from their website rather than through a text or email.

It's 2020. How can anyone not know this today?
Loblaws says representatives have worked with Eggers and his wife to restore their points and secure their account.

The company also says it apologizes for "the inconvenience this has caused [for the couple] and the delay in resolving it."
Why? From what the CBC article says, Loblaw did nothing wrong. Their customer did.

P.S. I wonder if the customer's account was secured using 2-factor authentication. If not then there's yet another reason for Loblaw to tell him to pound sand.
veni, vidi, Visa
Deal Addict
User avatar
Feb 1, 2006
3246 posts
1043 upvotes
Ontario
Please refresh my memory:

We cannot earn/redeem PCO pts at Wholesale Club, correct?
Cards:HSBC WE MC 1.5%/3% travel 0 FX MC acceptance 31 day med AF $49
CTC WE MC 3% grocery, 3.54% CTC, RA, billpay
Bank: Alterna (1.9%, no fees)
Brokers: IB (For. stocks/low comm)/Reg. RBCDI(service, USD)
Deal Addict
User avatar
May 19, 2015
1175 posts
639 upvotes
rdiamond1 wrote: I was a Shopper yesterday morning... aimed for $ 50 for the 20 X and ended up with 112 $.

I had a number of digital offers that I was going to use on top of this.
3 went thru but 3 did not.

When I added these up it was 10,000 points and I put in a points inquiry.

The problems were :
1. PC Great Canadian Coffee Pods - 3000 points each ( NONE received ). So purchase of 2 = 6000 points
2. Juicy Jumbo Schneiders 400 points on $ 4.00 spend. Spent 22 $. So it should have been 2000 points ( None Received )
3. Nestle treats : spent $ 7.99 . Had a 1000 points on $ 3 spend - so it should have been 2000 points ( none received )


So.... I put in the Inquiry for 10,000 points but I am thinking i should have split it into two inquiries of 6000 and 4000 ? or maybe 3 inquiries of 6000. 2000 and 2000 ?
I usually received points back within the hour and it is been about 20 hours now without feedback.
I have a feeling it is beyond the limit.

Do you think the number was too high ? typically I am missing 800-2400 points not 10,0000 points. It may have been better received with a smaller number.
I would've done 3 (6000, 2000, 2000), I think usually anything under 5 is almost auto-approved unless you've submitted a lot recently. but with 10,000 depending on how you explained it, might have to email back and forth with CSR for a bit which is a pain since it seems like they don't even read the emails or chains and just respond asking for the same things over and over again.
Zoomer Mobile Customer - $36/month for 4 GB + free phone
Member
Jun 25, 2018
267 posts
304 upvotes
Southern N.B.
rdiamond1 wrote: ....

So.... I put in the Inquiry for 10,000 points but I am thinking i should have split it into two inquiries of 6000 and 4000 ? or maybe 3 inquiries of 6000. 2000 and 2000 ?
I usually received points back within the hour and it is been about 20 hours now without feedback.
I have a feeling it is beyond the limit.

Do you think the number was too high ? typically I am missing 800-2400 points not 10,0000 points. It may have been better received with a smaller number.
After a couple hair pulling experiences a long time now, my method of madness in these scenarios is to do separate inquiries: one for each missing offer.

1. If there is an issue with one, it holds the rest up.
2. If there is an issue with one, calling in to dispute is just another hurdle to get the CSR to understand which one your calling about.
3. Their email responses are vague and cryptic:. "We've added x points to your account" or "We haven't because of this boiler plate reason that has nothing to do with your situation"
3. If When they round down on one something, It may be difficult to determine what they did or what the bulk point adjustment consist of. If they send an email to you saying " We've added 9800 points to your account. Or " We've added 8000 points to your account." Which (one)/s are the issue.
4. Keeps the point valve threshold below the magic number that involves a obstinate CSR.
5. Easier to track and sort out their decisions.
6. YMMV, but mine below 5K seem to be resolve within 20-30 minutes.

When it's not automatic, it can take up to several days. After a week, I call.

Cheers

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