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How Do I Cancel My PNC Bank Credit Card?

Christian Allen is the editor / author responsible for this content.
Feb 6, 2024

There are many reasons that you may need to cancel. However, you might be forced to cancel your credit card service due to various issues such as theft or losing your credit card. Although canceling a credit card is possible with some banks, other banks do not allow you to cancel a credit card but still let you lock it.

PNC Financial is one such bank that does not allow its customers to cancel a credit card, although they can lock it. When your PNC credit card is locked, you cannot make withdrawals, complete new purchases, or receive advances on the credit card.

How Does It Work?

The PNC credit card lock feature is not entirely different from canceling a credit card — although it is reversible. It stops almost every transaction from going through except for those authorized prior to locking the card or any scheduled transactions linked to the card. There is no limit on how long you can lock the credit card, and it can be unlocked at any point to reactivate the card.

After locking or unlocking your credit card, it will be deactivated or activated instantly so you do not have to wait for an approval process from the bank. However, this does not apply to stolen or lost credit cards. In this case, it is mandatory that you report to PNC Financial by contacting customer service through a phone call or the online portal.

How to Lock My PNC Financial Credit Card

Locking your credit card should not be a challenge if you have access to the PNC online portal. The procedure below should guide you through the locking process:

  1. Log on to the PNC online portal and select the "Easy Lock" option.
  2. Select the credit card you are looking to cancel. The process can be used for both business and personal cards. It is worth noting that locking one card does not lock every other card you have from PNC.
  3. Select the lock or unlock option. However, you can only do this once you confirm that you have read and understood the terms and conditions provided by the bank. After clicking on this option, you will need to confirm that you wish to go ahead with the lock request. Once you confirm this, the card will be deactivated.
  4. Once your card is locked, keep monitoring it regularly if used to complete any unauthorized transactions. If you notice anything out of the ordinary, contact customer service for assistance.

If you have lost your PNC Financial credit card, you will need to lock it permanently. It is impossible to do this via the above process, so you will need to contact the bank's customer service for assistance. You can also visit a branch. They will walk you through the process of permanently deactivating your card to prevent any unauthorized transactions.

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Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

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How to Lock my PNC Financial Credit Card
How Do I Cancel My PNC Financial Credit Card?

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