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I've actually applied for this card before. Shame I have miserable credit. Oh well. That's life. Compared to my current card (a secured Unity Visa, I believe it's called), the interest rate is about half of that, and I don't get any bonuses. With this card, I was hooked once I saw the air miles attached to it. Being a frequent traveler, I was quite interested in reducing my airline fees, as well as in the zero interest on foreign transactions. I'm trying to build up my credit so I can afford this card, honestly, just for the features! Being a foreign driver as well, I enjoy the perks of roadside assistance, accident insurance, etc. This card is a great emergency net for travelers in general. I approve.
It seems to be a great card, this one. The balance transfer rate is awesome for those who want to get rid of other cards and switch to this one. What seems a little confusing for me, though, is that you have to have excellent credit--who is going to transfer their balance from another card to this one if they have excellent credit? There's probably an answer to this, but as far as I can see, this card has plenty of positive aspects, the only one perhaps being that Mastercard is not as frequently accepted as Visa (which I currently have), and I travel to some pretty remote locations a few times a year.
I really dig this card. Got it in the mail just the other day, and it's already activated less than 24 hours later. I like the features, namely the 100 dollar bonus at the beginning. Having taken a few years to dig myself out of bad credit, this is a nice little reward to myself--a comfortable safety net for traveling abroad (some countries require you to have a certain credit limit on credit cards, for emergency purposes). The cash back option is nice, and all in all, this makes for a comfortable card for a youngish adult like myself to possess (no annual fee!)
I've had nothing but terrible experiences with these guys. Informal, impersonal, and unprofessional, I've tried calling them repeatedly to only be put on hold for unacceptable lengths of time. After leaving messages and numbers, nobody ever tries calling back, and they refuse to help me with any problems, merely passing the buck, over and over and over again. After 2 months of trying to get a credit card with them, I finally gave up and decided against getting one, not just from them, but from any bank.
PNC is actually a very helpful bank. After moving back into my tiny little town in northern michigan, I found that there were very few larger-style banks compared to Grand Rapids (with more than 1,000,000 people, banks were plentiful there). I chose PNC because there was a branch in both cities, making my banking much simpler should I decide to move home. Basically, I like their checking/savings accounts, their branch locations, and their ease of use on the website. Not shabby. Currently, I'm looking into their student loans, credit cards, and potential investment opportunities, but for now, I'm satisfied with the high interest rates I'm incurring on my checking/savings account combination.