A balance transfer involves moving all or part of an existing balance from a non-PNC financial institution to your PNC credit card account. This strategy is often employed to take advantage of lower or introductory interest rates, potentially saving you money compared to a credit card with a higher interest rate. But what about notifying PNC of your travel plans? While the primary function of balance transfers doesn’t directly relate to travel notices, understanding how to manage your PNC card while traveling is essential. This article will guide you through both balance transfers and, crucially, how to inform PNC of your travel plans to ensure uninterrupted card usage.
Existing PNC credit card customers have several options for initiating a balance transfer: the PNC Mobile App, Online Banking, a phone call, or a visit to a local PNC branch. Before you begin, gather the account number for the other lender, the payment mailing address, and the amount you wish to transfer.
Alt: PNC mobile app interface displaying a credit card account balance on a smartphone.
Keep in mind that a one-time balance transfer fee applies to each processed transfer. This fee is calculated as a percentage of the transferred amount or a fixed minimum amount, whichever is greater.
Transfer a Balance via the PNC Mobile App:
- Log in to the PNC Mobile App.
- Tap the menu icon (usually represented by three lines), then tap Cards.
- Tap Card Actions.
- Tap Transfer a Balance and follow the on-screen instructions to initiate your transfer.
Transfer a Balance via Online Banking:
- Log in to PNC Online Banking.
- Click the Customer Service tab.
- Within the Credit Card Accounts section, select Balance Transfer Center.
- Select your offer and enter the necessary information to begin the balance transfer.
You can also call PNC at 1-800-558-8472 to inquire about balance transfers. Business Credit Card customers can call 1-800-474-2101.
Alt: Exterior view of a PNC Bank branch on a sunny day.
Now, let’s address the core concern: How to put a travel notice on your PNC card.
While the above steps detail balance transfers, they don’t cover travel notifications. To ensure your PNC card works smoothly while traveling, it’s crucial to inform PNC of your travel plans. This prevents your card from being flagged for suspicious activity due to transactions occurring outside your usual spending area.
Unfortunately, PNC doesn’t explicitly offer a dedicated “travel notice” feature like some other banks. However, there are still ways to let PNC know about your travel plans:
-
Call PNC Customer Service: The most direct approach is to call the PNC customer service number on the back of your card or use the numbers provided above. Inform the representative of your travel dates and destinations. This allows them to note your account and prevent potential disruptions in service. Explain that you are wanting to place a “travel notice” on your account and they will be able to assist you.
-
Monitor Transactions Regularly: Whether you were able to put a travel notice on or not, using the PNC Mobile App or Online Banking, keep a close eye on your transactions while traveling. If you spot any unauthorized charges, report them immediately.
Alt: Laptop displaying the PNC online banking login page.
In conclusion, while balance transfers are a useful tool for managing your finances, remember the importance of notifying PNC of your travel plans, even if a formal “travel notice” system isn’t available. Calling customer service and diligently monitoring your account are your best defenses against travel-related card issues. By proactively managing your PNC card and informing them of your travel, you can enjoy a worry-free trip.
