Canadian Tire Options MASTERCARD Consumer Reviews

Right from the beginning, I had negative experiences. Limited options to pay bills, harassing phone calls constantly from multiple agents when your late making payments sometimes at inappropriate hours, frequently had a transaction declined and had to verify an account, paid insurance that was useless and only puts money in their pocket and unless you die does nothing for the cardholder, when speaking with agents they ask too many personal questions and demand answers when it’s inappropriate or questionably any of their business. They harass you even after telling them when the earliest time you can pay bill sometimes up to 20+ times a day. On one occasion during a shopping trip at their downtown Vancouver location I had a gorilla of a security officer (plainclothes) learning over the self-service checkout I was using in an intimidating manner making me feel extremely uncomfortable and not wanting to go back to that location again appearing to have no concern about whether I was doing something wrong or not and when I emailed them about my experience I received no response at all. There are better options for building credit than Canadian Tire. My experience was so bad I won’t even shop there anymore...

I initially had a credit limit of $20,000. I also had several other cards with similar lines. After receiving a letter to use it or lose it, I called and they said I can make even a small purchase to keep the card active. I never heard of that before but OK, so I did. After that, they have every six months steadily decreased my limit from 20,000 to 15,000 to 10,000 to 5,000 and now $3,000. When I initially called about why they decreased my limit when I used the card, they were suddenly rude for no reason and claimed that they can do whatever they want out of the blue. It was a very strange call and my limits went down every six months ever since. Anyways, I am going to cancel it.

I currently was on hold waiting for a representative for over 45 mins. I finally got a hold of someone and expressed that I have recently lost my job and can’t make my minimum is there anything they can assist with? Lower interest rate, etc? She didn’t even look at my file for more than a minute and told me no. I feel if you want to have a credit card company that cares in a crisis switch to another one!

I just got off the phone with the Canadian Tire option credit card. During this time where everyone is looking for how to help our fellow Canadians, Canadian tire just looks that keep gouging it’s clients. Even the big banks have slashed their rates by half, Canadian tire isn’t very Canadian at this time. In the future I recommend people look at companies that are helping Canadians not pushing Canadians farther in debt to line their own pockets! Get with the program Canadian tire, be better, and support your fellow Canadians in this these hard times, you’ll get your chance to make millions after it’s all done

After being a customer of the original CTC card, I, like all others was transferred to the first M/C and now Triangle. Just used at store and gas. I went to use it on January 31st and declined. I never get declined on cards as I always pay the bill off full. At home, I tried logging on but received notice on line to call 1800 number. I ended up talking to security who I could not understand and he could not understand me. I asked to speak to the manager and that was a bigger mistake, she was downright rude. I had enough and asked if I had a balance as I was cancelling the card. She told me no balance. Cut up my card and next week get an email statement showing $30.00 credit. So not only rude but they have now proven to be liars as well.

I cancelled my card after a couple of months. Interest rates are uncompetitive, customer service is lousy, merchandise is limited (no groceries) and their gas stations are few and far between.

Inquired about upgrading from the regular to the Elite card. I was told only select clients can get the card, by invitation only. Escalated to a Supervisor, who was rude, and showed no empathy. When pointed out that their website indicates only the World Card indicates it is by Invitation Only, he pointed out that they can do as they wish. Went on to indicate that based on my salary of 15 years ago, I do not come close. No attempt was made whatsoever to even find out what my current salary. I indicated I see no benefit with the card and before I can finish my sentence to ask to have the card cancelled, he said done. So much for Customer Service and Retention of clients. I am glad I read the other reviews on this site while waiting for a Supervisor. Beware of the arrogant reps.

I received an unsolicited card in the mail. When I reported it to the crack fraud investigators at Canadian Tire Bank, I was threatened that if I did not comply with their investigation I would be responsible for the charges on the card. They issued a card to someone who spelled my name wrong and used a different birth date and then let that person charge several transactions to the account. I provided them with the police file number for my identity theft which is all I was required to do but I also agreed to sign a declaration so that they could conduct their investigation. I was being nice, what a mistake that was. The letter sent with the declaration was an attempt to entrap me. It stated that I had reported unauthorized transactions on my account. It also contained the same threat of not complying with their investigation. When I complained about my treatment for reporting the fraud, I was told it was a form letter. Their policy seems to be to bully and entrap victims of identity theft into paying for the mistakes of Canadian Tire Bank. I will not shop there and any mail from Canadian Tire goes directly in the garbage. If their goal was to have me never contact Canadian Tire again, they were successful. The fraud investigators at Canadian Tire Bank did zero investigation into the police file numbers I gave them. My identity was stolen along with about 70 others and I would bet there have been over 100 cards issued in those identities. When I tried to talk about that or why a card was issued, I was interrupted and talked over. I was the first and only subject of their so-called investigation. It makes me wonder if Canadian Tire Bank's policies are to encourage fraudulent activity and somehow profit from it.

I have been having issues viewing my statement for a month online and they still have not fixed it. They said they do not have any access to send me the bill statement thru email even I explained how I do not feel comfortable paying my bill without reviewing and being overcharged later. Very unprofessional and I really do not recommend this credit card.

Been very good in the past but it was really the past. They don't care about their customers anymore. Always paid my account in time for 15 years and because of using the credit card lesser, they decided to lower my credit limit from 20K to 10K. When I called, I have got the answer ''WE DO WHAT WE WANT''.

Okay, got it, I cancelled the credit card.