this post was submitted on 07 Apr 2025
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Frank Zhang thought he was winning at the PC Optimum game — stacking up points on groceries, gas and gift cards by chasing bonus offers and swiping his PC Mastercard for extra rewards.

But his seven years of smart shopping didn't pay off. Instead of cashing in on his hard-earned 43 million points — worth about $43,000 — Zhang found himself locked out of his account with no warning, no clear explanation and no way to access his points.

"That's unfair," Zhang told Go Public. "They can control my money. They can control my points, but I can't do anything."

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[–] [email protected] 19 points 1 week ago

Those fucking dickheads also locked out my CC while I was on vacation in a region I notified them of through their special "going on vacation? Let us know." feature.

They slowly 2 weeks after I returned let me know that it was flagged for a sketchy purchase being made inside that region. The sketchy purchase? A water bottle from the polish 7-11 corp "Zabka".

They offered me $20 in points for locking out my main spending source. I offered them a go fuck yourself, a cancellation, and picked up an Amex Cobalt and a Simplii Visa.

Learned a good lesson about traveling with just one CC though.