How To Cancel PNC Credit Card

Credit cards can serve as a valuable tool for managing your finances and earning rewards. However, there may come a time when you decide to no longer keep a specific card. Whether you have found a card with better perks or are looking to streamline your wallet, it is crucial to understand the proper steps for canceling your card in order to prevent any negative effects on your credit score.

PNC Bank, a well-known financial institution, provides a range of credit cards with various advantages. If you are considering canceling your PNC credit card, this article will walk you through the process in a detailed manner. Remember to assess the potential impact of closing a credit card on your credit score and make sure to settle all outstanding balances and transactions before taking any action.

How To Close PNC Credit Cards?

Follow these steps for smooth cancellation of your PNC credit card:

Pay Off Your Balance:

• Verify your current balance: Access your PNC online account to verify your current balance.

• Settle your balance: Pay off all outstanding balances on your card. Keep in mind that you cannot close a credit card that still has a balance.

• Review pending transactions: Make sure there are no pending transactions that might be processed after you have cleared your balance.

• Validate a zero balance: Log into your account once more to validate that your balance is indeed zero.

Redeem Any Remaining Rewards:

• Verify if there are any rewards or points: It is important to check the balance of rewards or points on your PNC card if it is part of a rewards program.

• Redeem your rewards: Prior to cancelling your card, make sure to redeem any remaining rewards to avoid losing them once the account is terminated.

• Evaluate the worth of your rewards: If you have accumulated a substantial amount of rewards, it may be beneficial to rethink closing your account.

• Validate redemption: Double-check that all rewards have been redeemed correctly and utilized as intended.

Things to Consider Before Cancelling PNC Credit Card:

• Credit Score Impact: The cancellation of a credit card may have an impact on your credit score.

• Reward Points: Verify if there are any unused reward points that you can redeem.

• Unpaid Balance: Make sure that you have settled any outstanding balance on the card.

• Recurring Charges: Stop any recurring payments that are associated with the card.

Contact PNC Customer Service:

• Get ready for the call: Ensure you have your account information available for verification.

• Contact PNC customer service: Locate the contact number on the back of your credit card or on the PNC website.

• Ask for your account to be closed: Clearly communicate to the agent that you want to close your account.

• Verify the closure of your account: Before concluding the conversation, make sure to confirm that your account has been successfully closed.

Also Read: How To Cancel Amex Credit Card

Contact details:

How to Cancel via Phone:

• Locate the Customer Service Number: You can typically find the customer service number on the back of your credit card.

• Gather Your Information: Make sure to have your account details and personal information on hand for verification purposes.

• Express Your Purpose: Clearly communicate that you would like to cancel your credit card.

• Adhere to Guidance: The customer service agent will provide you with instructions on how to proceed.

How to Cancel via Email:

• Find the customer service email address on the PNC website to locate the email address.

• Write a clear and concise email stating your intent to cancel your card to draft an email.

• Include your name, card number, and contact information to include necessary details.

• After sending the email, wait for a confirmation of cancellation to send and wait for confirmation.

How to Cancel through Customer Support:

• Accessing Customer Support: Go to the PNC website and locate the customer support page.

• Selecting the Appropriate Option: Choose the option that pertains to canceling your credit card.

• Supplying the Necessary Information: You will be required to provide your card details and personal information.

• Verifying the Cancellation: Once you have provided the required information, verify your cancellation.

Cancellation Policy of PNC Credit Card:

• Contact Customer Service: To inquire about the specific cancellation policies, reach out to PNC’s customer service.

• Check Terms and Conditions: Review the terms and conditions of your credit card agreement as it may provide information regarding cancellation.

• Consider Any Fees: Keep in mind that there might be associated fees when cancelling your card.

• Follow the Provided Steps: PNC will furnish you with detailed steps to follow for the cancellation process.

Alternatives of PNC Credit Card:

• PNC Core Visa Credit Card: Enjoy a 0% introductory APR on purchases and eligible balance transfers for 15 billing cycles.

• PNC Cash Rewards Visa Credit Card: Earn 4% cash back on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually.

• PNC points Visa Credit Card: Accumulate points on all purchases.

• PNC BusinessOptions Visa Signature Credit Card: Tailored for business owners, this card offers a range of rewards.

• Chase Freedom Unlimited: Benefit from unlimited 3% cashback on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, and 1.5% on all other purchases.

There are several alternatives to PNC credit cards that consumers can consider based on their financial needs and spending habits. These alternatives include credit cards from other major banks such as Chase, Bank of America, and Wells Fargo, which offer a variety of rewards programs, interest rates, and benefits.

Send a Written Confirmation:

• Draft a confirmation letter: While it may not always be mandatory, it is advisable to send a written confirmation of your account closure.

• Provide essential information: Ensure that your letter includes your name, address, and account number.

• Dispatch the letter: Send your letter via mail to the address provided by the customer service representative.

• Retain a copy: It is crucial to keep a copy of the letter for your personal records.

Conclusion:

Closing a PNC credit card requires careful planning and execution to avoid credit score harm and unwanted fees. This guide lays out the key steps, from settling your balance and redeeming rewards to contacting PNC and exploring alternatives. Remember, cancellation can impact your credit score, so consider all options before proceeding. Good luck!

Also Read: How To Cancel Target Credit Card

Video Guide for Cancelling PNC Credit Card:

FAQs:

How Can You Lock Your PNC Credit Card?

To temporarily secure your PNC Credit Card in case it is misplaced and you require additional time to locate it, you have the option to utilize PNC Easy Lock instead of immediately canceling it. Instructions to lock your Credit Card: Access the PNC Mobile App or Online Banking platform > Choose the Credit Card > Click on the Lock or Unlock feature. 

How To Contact PNC Credit Card Customer Service?

To get in touch with the PNC Credit Card Customer Service team, it is recommended to dial 1-800-282-7541 and communicate your concerns to their dedicated team.

Can I turn my PNC card off?

Misplaced your card? PNC Easy Lock puts you in control by allowing you to lock it when you can’t locate your personal or business debit or credit card. Locking your card means no new purchases, cash advances or withdrawals can be made until you unlock it.