Points remain if your PC Optimum account stays active, otherwise, they’ll be forfeited.
When you cancel your PC Financial Mastercard, here’s what happens to your accumulated PC Optimum points and other considerations, based on official PC Financial information and common practices, check now what happens to PC Mastercard Points If you cancel the card?
1. PC Optimum Points are not tied directly to your card account
- Your PC Optimum points are linked to your PC Optimum account—not your credit card account.
- Cancelling your PC Mastercard does not automatically cancel or erase your PC Optimum points, as long as your PC Optimum account remains active and in good standing.
2. Keeping Your PC Optimum Account Active is Key
- Points will only be lost if your PC Optimum account is closed or inactive for over 2 years (no earning or redemption activity).
- Having an active PC Mastercard or another PC Financial payment product linked to your PC Optimum account helps keep it active and eligible for earning/redeeming points.
3. Points Redemption After Card Cancellation
- After cancelling your PC Mastercard, you can still redeem existing PC Optimum points in-store or online via your PC Optimum account.
- However, you will no longer earn points on your credit card spending since you don’t have the card anymore.
4. Important to Confirm in Case of Account Closure
- If you close your PC Optimum account or it’s closed by PC Financial (due to inactivity or breach), your points will be forfeited.
- If you only cancel the credit card but keep the PC Optimum account open, your points remain intact.
5. Cancelling Your Card: Best Practices
- Contact PC Financial to officially cancel your PC Mastercard to avoid unexpected charges.
- Before cancelling, redeem any points or ensure you have an active PC Optimum account to retain your points.
- Consider keeping your account open (even if frozen) to maintain your credit history and your PC Optimum points status.