Canadian Tire Options MASTERCARD Consumer Reviews

I was shocked that my World Elite (requires a relatively high-income level) came with such a low credit limit. When I called customer service, they said there is nothing they can do for six months. The low limit was not pointed out beforehand. I got this to replace a card with a credit limit over $10,000 so it is pretty useless for purchasing. I was attracted by the benefits and no fee. You'd think CT Bank would like the profit from higher use of the card by me to offset the cost of providing those benefits.

I have been trying to connect with CTMC for a couple of weeks. I did get through. I shared I made a payment in full and wanted to ensure they know because it takes time through the bank. I was getting a lecture from this young woman about my payment date. I raised an eyebrow and asked: "Are you lecturing me? What is that?" Then she went back into a lecture. I cut her off and said: "Are you listening to me?" She says: "Yeah yeah you made a payment. WE DID NOT RECEIVE PAYMENT, you still owe us." I took a deep breath... I told her: "I would write a review." She became really nice and became understanding and polite. I just shook my head. I said: "Do you understand the call?" She says: "Absolutely, you are a valued customer." I say: "Thank you, goodbye" and hang up.

I was offered the card and did get the world elite, with free towing included! If you fill up at their gas bar (I stopped after a bad experience with staff and pump didn’t turn off), or Husky you collect a lot of points. Use at grocery stores and get a decent amount of points. I run a lot through it and it’s easy to make an instant payment at the stores, so good in many ways. Points add up quickly and I find some decent deals often in store. Customer service experience is, well not the worst and not great. Using their app or website is like a slot machine, it works some of the time. Frequently can’t log in. Frequently have to re-login to the points part and always on the credit card part. Often the app shows more cards then you have and won’t show you details, or wrong details. Frequent app issues or non-specific “technical issues” and won’t log in. Have to go to the website which also often won’t let you log in. Even logs in and then log you out without any info or expiation. The usual “technical issues”. These guys can’t make the digital access work reliably. This is over a year now. I often use the app/web access daily and many frustrations and time wasted. They don’t listen to reviews as the app has low ratings and people point out the issues for some time. Simply too lazy or cheap to hire a real developer to fix this.

Canadian tire credit card is easy to use. Great not having an yearly membership charge. Unfortunately the interest rate is extremely high. So I only use for purchases.

we have used our accumulated points many times to buy things we need for our home or our family as well as items we have on a wish list

It takes a lot to get cash rewards. I would rather have airlines or travel rewards instead of having to use it back at Canadian tire