Canadian Tire Options MASTERCARD Consumer Reviews

Customer for years. Online bills not being sent. Called numerous times to complain. Each time you call they say something different. Cancelling card. When calling about paying off that person advised 3rd party sends out online bills and they are having an issue but online support knows nothing.

I got a card from them and called to report my card loss to find out that they had the wrong unit number for my address. I corrected it at which point they said they could not issue a new card as there have been too many changes to my account and it’s such a new account. I then told them the address mistake was on their end and not mine as it was the same address my card was sent to, so I’m not sure how my addresses changed. They refused to issue me a replacement until I go into the store, wait in line and use the phone in a store to confirm. I would not have an issue if it were a security issue but THEY made the mistake. Not me. There have not been any changes on my account prior to this minor address correction. Also, at the beginning of receiving my card and using it at a store, my transaction was declined. When I called to inquire why, they said they block all cards after the second transaction until a payment was made. That’s fine, but why is this not stated anywhere? Poor customer service and a really bad card. I have cancelled it and hope everyone takes this as a warning not to get this card.

They assess card every few months and decrease its credit limit if it is not used. This influences your credit to debt ratio /credit rating. I went from 20 grand to 5 grand limit in a year. Next time they send me a use it or lose it letter, I will let the card expire so they cancel it. I no longer buy gas or shop at CT either, where I spent many thousands annually, just not on their card. This credit card stinks. Use any other than this one.

The worst Mastercard and the worst customer service. It's been 31 days I paid off the balance and yet the fund is not available

I got Canadian tire master card a few years ago and last year they asked me to change to an online statement rather than paperwork with a promise that I will be notified by email as soon as my statement is ready. The notification was happening on and off and each time when I did not receive the notification and missed the due date payment, they charge me interest and immediately I was getting an email saying my payment was late and of course this time I would get their notification. After several complaints to them and not seeing any changes, I concluded, they are doing it on purpose in order to slap their good customers who pay their bill on time with interest. Their rude and untrained customer service people and supervisor were no help at all. I finally fed up with their unethical behaviour and closed my account.

I had just added up all my statement transactions and totalled 1121.00, some months I had overpaid. I added up all my payments, which was 1133.00. There should be a credit owing to me, right??? NOPE, the woman was extremely rude, she had the same exact numbers as I, and she said they can do nothing. Her colleague said that he got the same numbers but NOPE. No adjustment...rip-off.

I got my first CT card in the 1980s. I didn't use it much because of their high interest rate. It never dropped in the 1990s, when they switched to MC. I used it, but have not been a fan of the interest rates credit card companies charge. They have an automated email answering system, so it's pointless to use. That's one way CTC avoids having to deal directly with customers. Get on the phone with them if you have problems. I switched to VISA about 20 yrs ago because their interest rate is half of what CTMC charges. CTC used to be a good company, but they import more junk than before, and their prices have risen to the point where it is better to shop at Princess Auto or Walmart for many items. Add their exorbitant interest rate, and it's a no-brainer: Dump CTC!

I have been a C/T MC user for over 22 years and never had a complaint. Then out of nowhere, they closed my acc. and stopped my automatic payments to my insurance for my car and house, costing me 75$ for each acc. When I contacted them they said that they had sent me new cards as they are re-branding and I had not activated them, so they closed my acc. I pay my bill every month and my card was good to 2020. Never received cards to this day. Can't trust them now! What would I have done if I had gotten in an accident or my house had burnt down and my insurance wouldn't pay because they [ C/T MC ] stopped my payments? So Long and Good Riddance !!!

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

You walk in the Canadian Tire store. You see everyone at special booth playing with a screen. You wait in line to find out what's the big deal, then wait, you participate in silly saving vouchers, better see a promotion on flyers. But by this time, they have you convinced, devoted, committed in their game that you save more if you apply for Canadian Tire MasterCard. Given the highest interest rate, you buy your new toys, later see the bill and regret it. You do the math, you realize you should have used another credit card. So like many others, your put focus HOW DO I PAY OFF CANADIAN TIRE MASTERCARD FIRST? And if you are one of those who took disability plan with their credit card, all the best of luck.