Canadian Tire Options MASTERCARD Consumer Reviews

Slow response to card issue. Inconsistent customer support replies, call centre staff need better training. Online functions incomparable to other providers. Stay away.

I have been a loyal customer of Canadian Tire for 30-40 years, never missed a payment or ever got in arrears. A fraud took place in Playa del Carmen Mexico, and as a result, my cat who had never been sick a day in her little life died on my birthday. Leticia M, a vet there knew that my Burmese cat was in dire straights and needed intensive treatment. We did blood work on May 2nd, 2018 and the results (I learned May 8th) showed that my cat was at the point of NO return and was dying. May 2nd blood work showed Urea levels of 29.8 when the norm is 4.1... her creatine level was 919.33 instead of 54. The day before her death, Leticia extracted 4 teeth, "knowing" that Nikita would not survive and kept bleeding us for more and more money. I have tried to deal with this credit card company since May 20th, 2018 and no resolve. They will not reimburse the charges, while my MBNA & BMO reversed ALL charges from this same vet. This credit card company, like President's Choice, is the worst company EVER. Today, September 25, 2018, I spoke with a supervisor from customer service, Anne J, and while she sent condolences, she said that the very fact that I put my pin in a paid for these services I am pretty much stuck with them. ...but... she will call me no later than tomorrow. For what??? The other 2 credit card companies saw clearly I was bled and defrauded and they acted on it by reversing all charges. Options MC are a huge company with a fraud fund dept. who should see the value in customers of 30-40 years and do well by them! NOT these guys. They don't give a rip. I am not only grieving over the loss of this beautiful female Burmese cat...my little girl, but feel traumatized by some of those who work there. One of their agents, Art, told me " what do you expect? you were in Mexico". This company has NO heart, and they have hired people who will not fight for you even when you have been defrauded. They just do NOT care. Anyone reading this... PLEASE think twice before signing up with these fraudsters!

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!