Canadian Tire Options MASTERCARD Consumer Reviews

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

The account in good standing cancelled without me knowing about it (card expiry date was still good as well) I was in line at a Grocery store, running a little late but had to feed the kids then hit the gas station before taking them to the places they needed to be. When I called to ask for help I was declined any help. “ sorry sir we have rebranded, you SHOULD have received a new card in the mail and you SHOULD have known your card would be cancelled”. Fortunately, I could call a friend to actually help me out so I could get home. What would have happened if I hadn’t been closer to home? This is what 4th time they’ve rebranded. I’ve been a loyal customer for 20+ years, always paid my bills on time.

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.

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!