Stay in Control With RBC Credit Card Controls

Posted on in life/ Sponsored
  Disclosure: This post is in partnership with RBC. As always, opinions are all mine. 

Growing up our parents are our idols. I remember looking at my mom while we shopped thinking, “who is this goddess who doesn’t have to pay for our items? How is she my mother?” as she’d swipe her credit card, sign her name and off we went. “How is she so important we didn’t even have to pay for what we bought?” I would think to myself, thinking that cash was the only way to pay. Well, then I grew up and now fast forward to 25 years later and I own my own business, have my own family, and my own credit cards! I now understand the world of credit cards, and I like being in control.

I’ve always tried to explain the concept of money to my kids, and the amazing feeling you get when you earn it for yourself. I had jobs before I had children but then took a very long break. I didn’t have much credit because all of our bills were in my husband’s name, and it wasn’t until 2013 when I decided to open Six Time Mommy that I really got it in my mind to make this into a business and share my voice with you all. Then I started to build my credit from scratch. I started off earning a small income, but within a year I was bringing in quite a bit. I now even have a credit card with my business name on it, how cool is that?I got my very first credit card with RBC back in 2015. I can’t tell you how many times I’ve misplaced not only my credit card but my wallet! I once even dropped my wallet out of a shopping bag. By the time I got home and realize it, I ran back, but of course, it was gone. I felt sick to my stomach. Was someone using my cards right now? To make matters worse we were moving in a week and I needed my credit card for our move – How was I going to pay for the movers? Or the moving truck? I had to call my credit card companies in a panic and cancel every card. Half an hour later, a knock on our door brought an older lady who found the contents of my wallet, sans wallet and returned it all to me. Someone had stolen my wallet but left all my cards and personal belongings behind. But, now I had to wait 5-7 business days for new cards to come in the mail.

Now if something like this were to happen again, I wouldn’t end up in a panic. Why? Because RBC is putting the control into the hands of clients by enabling them to lock and unlock their credit cards through the RBC Mobile app. Credit card controls allow RBC Mobile clients the freedom to place or remove a temporary lock on their credit cards with a simple action, without making a single phone call.

This is life changing. What if you just misplace your wallet? Or you leave it in a friends car? Or on the train during your work commute? You don’t have to pick up the phone and cancel your cards. Temporarily locking them until you find them is a much better option, and you can control if you unlock or keep them locked and for how long. If it turns out your card is gone for good, or someone happens to take them – you can still cancel, but lock them right away for peace of mind.

The How and the Why with RBC App and Credit Card Controls

How does it work exactly?  You can lock your card if you’ve misplaced it, or if you’re traveling without it. Simply log in through the RBC Mobile app and navigate to the account details page of the credit card you wish to place or remove a lock from. Click the “lock” button to lock or unlock your card and that’s it.

How will it benefit you? While the credit card is locked, purchases and cash advances are blocked, while payments, refunds and preauthorized charges such as subscriptions and bill payments will be processed as usual, giving you peace of mind, and control over your card. Talk about a lifesaver. Do you know how hard is it to cancel a card, wait for a new one, all the while preauthorized purchases are being declined? It’s stressful, and let’s face it, a hassle. Now with the RBC Mobile app and credit card controls, you don’t have to go into panic mode and cancel everything right away. Especially if you are like me and misplace things often only to find them a short time later. Once you cancel your credit card you cannot get it back, so this is a temporary solution with many benefits.

RBC is digitizing the everyday banking experience through the RBC Mobile app and credit card controls is just one of the services that help make banking more simple for clients.

The RBC Mobile app is available for free to download from the App Store on iPhone, iPad or at www.AppStore.com, and Google Play on Android devices, or at play.google.com.

For more information about the RBC Mobile app, visit www.rbc.com/mobile.

What feature do you enjoy most about the RBC Mobile App and credit card controls? I love how I can have 100% control without interrupting my preauthorized payments!

18 Comments

  • Reply Candy September 6, 2018 at 7:59 am

    Very important to have financial side of adulting made easy. With debit and cr dit cards. Being safe is important.

  • Reply Amber Myers September 6, 2018 at 8:17 am

    I like the idea of credit card controls! I might have to look into this. I always like to be responsible with credit cards, so this will help with that.

  • Reply Tasheena September 6, 2018 at 8:46 am

    This is my first time learning about RBC. I can’t wait to check out their site. I love the service in which they offer.

  • Reply Jeanette September 6, 2018 at 12:25 pm

    I always thought that my parents magically have this card that just paid for stuff. I had no idea there was money on it and that my parents had to pay it back. I am teaching my child all about them so he doesn’t have to wonder as much. I really do like the idea of being able to lock my card if I lose it.

  • Reply Jenn @ EngineerMommy September 6, 2018 at 1:12 pm

    This sounds like a really cool innovation. It’s amazing what technology is allowing us to do these days. I would love to check out these credit card controls for myself.

  • Reply Tammy September 6, 2018 at 1:15 pm

    Oh I love this idea. I will have to look further into it. We travel a lot and this would be a great way to handle a card if it gets lost.

  • Reply Pam September 6, 2018 at 6:01 pm

    Being able to lock your card if it gets lost or stolen is great. What a good way to keep yourself from being a theft victim.

  • Reply Nancy at Whispered Inspirations September 6, 2018 at 6:39 pm

    I love how it gives you full control. Especially without interrupting your pre-authorized payments. Really cool!

  • Reply Heather September 6, 2018 at 8:31 pm

    This is such a great idea! I’m going to have to download this one!

  • Reply Clara September 6, 2018 at 8:53 pm

    Sounds like the RBC app is very secure. I’m sure RBC customers appreciate the effort to keep their information safe.

  • Reply Gisele September 6, 2018 at 9:21 pm

    This RBC credit card app sounds great. I am a bit paranoid about losing my cards so I keep a close eye on them at all times. This app would be handy to have.

  • Reply Tabitha Blue September 6, 2018 at 10:44 pm

    This app looks like it could be a lifesaver!! I love how it keeps everything together and YOU in charge! I need to check it out.

  • Reply Alyssa H September 6, 2018 at 10:45 pm

    WOW! That is awesome! I would LOVE an app like that. I have had so many instances when I’ve lost a card, cancelled it, and then found it a few minutes later. This would save a lot of time and effort. Need!

  • Reply Vyjay Rao September 7, 2018 at 9:53 am

    The RBC mobile app looks like a nice security feature. It would be so convenient and safe to be able to lock and unlock your credit card with an app. Have experienced credit card loss a couple of times and I am sure if I had this feature then, it would have saved a lot of complications.

  • Reply rika September 7, 2018 at 5:32 pm

    Sounds like a great app! I just lost my credit card and haven’t gotten a chance to call the cancel it. This could be a lifesaver.

  • Reply Ave September 7, 2018 at 6:07 pm

    It’s so cool to have a credit card with your business name on it! I think that having an app that lets you control your credit cards is a must for everyone. It sure keeps me sane when I can’t find my wallet because I have misplaced it. Our bank has a good app, but I’ll have to check out the RBC App and Credit Card Controls too!

  • Reply Peter September 7, 2018 at 9:43 pm

    I remember the day like yesterday. This app would have been a lifesaver then, so glad it’s here now

  • Reply Brit Strawbridge September 10, 2018 at 9:51 am

    This is SUCH a great idea for an app! My husband has had to cancel his due to fraud many times so this is genius!

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