Plains Commerce Bank Credit Cards

Yes, you can use your PCB Credit Card anywhere Visa is accepted, which is almost any place they take credit cards. Be aware, though, that using it internationally will cost you. This card has a foreign transaction fee of up to 1%.

Yes, the PCB Credit Card card does a hard pull on your credit report when you apply for it. This might hurt your credit score for a short period of time.

There's no way to see if you pre-qualify, but you can get approved even with bad credit.

To get a PCB Credit Card PIN, call the number on the back of the PCB Credit Card and ask customer service for a PIN. You will likely need to wait for the PIN to arrive via email, text, or mail.

Best Way to Get a PCB Credit Card PIN

1. Call Plains Commerce Bank customer service at 1 (844) 724-8674 or call the number on the back of your PCB Credit Card.
2. Inform the representative that you want a credit card PIN.  
3. Receive the PIN in the mail, over text, or by email. It's unlikely that PCB Credit Card customer service will be able to provide a PIN over the phone.

If your credit card had a PIN in the past, but you've forgotten or misplaced it, Plains Commerce Bank may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account. And if you need a PIN for a cash advance, it's important to note that cash advances have high fees and interest rates, so you'll generally want to avoid them whenever possible.

Finally, keep in mind that even though the PCB Credit Card has PIN capabilities, it's still a signature-preferred credit card. This means it may not work at unattended kiosks abroad, like in a train station or parking garage, but you should have little trouble elsewhere.

You cannot freeze your PCB Credit Card. If your PCB Credit Card is lost or stolen, you'll need to call Plains Commerce Bank credit card customer service at 1 (844) 724-8674 as soon as possible, so they can cancel the card and send you a new one.

That said, it's important to remember that you won't be held responsible for unauthorized purchases, thanks to a $0 fraud liability guarantee.

You can log in to your PCB Secured Visa® Credit Card account by going to the login page on the PCB website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.

How to Register for Online Access on your PCB Credit Card Account

1. Register your PCB Credit Card for online account access. Click “New Here? Register” and enter your 16-digit account number, the last 4 digits of your Social Security number, your postal code and your email address to verify your credit card account.
2. Choose your PCB Credit Card username and password. Your username must be between 8 and 50 characters long, and can contain letters, numbers, periods, underscores, and the @ sign. Your password must be 8 to17 characters long; have no spaces; and have at least 1 lowercase letter, uppercase letter, number, and special character.
3. Log in with your new PCB Credit Card credentials. From the login page on the PCB website, fill out the User ID and Password fields using your new credentials, and click “Log In” to access your account.

After you have signed up and logged in, you'll be able to manage your PCB Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot your Password” on the PCB login page. Then, just follow the prompts to reset or retrieve your username or password.