Presidents Choice Financial MASTERCARD Consumer Reviews

I strongly suggest to think twice before applying for this credit card. I've got approved online, in 5 minutes and I did receive the card two weeks later. When I had called them to activate it, they've told me that the account was closed. When I asked them the reason why they provided me with some general reasons... none of them apply to either my score nor my profile (which is in excellent condition and I was never rejected for any type of request). Later, I had searched for reviews for this card/company and have discovered that overall they received very bad feedback. You might be tempted to apply for this card based on their 6-month offer @ 0.97% but you'll end up wasting your time or even worse.... having a bad experience with them afterwards... Read the reviews before making any decision.

When you say you will call the cardholder, do it don’t just say it! I only used my card twice after I activate it, but using it on another store my card was declined! Thought you can use it anywhere?! It’s been one week but nobody is phoning me regarding my issue. Sorry, but you really have poor customer service, waited also for over a month to process my application but on your website, it says 5 to 7 business days only. You need to fix your service I guess.

I have called on several occasions and sat on hold for hours! I've talked to 3 customer service agents who were not able to help! The first one said a supervisor wasn't in until 9 and would call me back. The second agent was transferring me to a supervisor and he either hung up or the line dropped. The third agent just today took my number once again and the supervisor still hasn't returned my phone call! Such poor customer service! I work for a call center myself and this kind of business definitely wouldn't fly with them! You should be ashamed of how you treat your customers. My Mastercard still isn't activated. I wouldn't give any stars for this rating if it would let me bypass that part to finish!!

Several emails, final got a response, said they would send this to an advisor and someone would contact me by phone in 2-3 days, 10 days later no contact...

I usually use my other cards for higher-value purchases for better benefits. The only benefit Master World Elite (MWE) is for a few groceries from buying at your store.

I am a long-standing customer of PC Financial which offered to me this Master World Elite (MWE) card that I did not even apply for.

I just got a letter saying that MWE put in a new rule to downgrade cards when a minimum of $15k/year spending is not met. If I want to get another MWE, I have to reapply. I use my other cards at other stores that offer personal shopping, deliveries, better reward points and exceptional customer services that help during this pandemic. Why would I subject myself to apply for another card especially when it's really only good for your store?

The credit card is free and you redeem PC points. However, (1) Loblaws PC products are way more expensive than other stores. (2) I had their credit card ($1000) opened in 2009 and closed in 2013 with a zero balance. I never used it for big amounts, but I had some issues with the billing (didn't recognized a charge on my bill) and was late paying for 3 months. Paid it in full when I was tired talking to customer service with no follow up on the issue and closed the account. Now I have a perfect credit history except for that, I didn't even knew my credit was affected until I tried to get approval for a mortgage in 2017!!!

J ai reçu ma carte de crédit pc choix du président il m est impossible de l activé après 2h30 au téléphone on me passe au service de fraude??? Quelle fraude il ne peuve pas me dire je doit envoyer des document pour certifié mon identité photocopie de mon permis de conduire et facture de mon compte d hydro??? Moi je pense que c est eux qui voulais faire une fraude avec ces document? En tout cas oublier ca moi je met le ciseau dans cette carte service a la clientèle 0!

I cannot believe how dumb and unhelpful customer service is at PC MasterCard! I applied for a credit card in August and got approved in November and when I called to activate my card they told me to go into their kiosk in the superstore in person to show them proof of id and verify who I am. I did exactly what was asked, I also did all the verification steps when I applied online and sent documents and proof of id. I had to wait again for months and would call and wait 3 hours on hold to speak to a representative at least once a week to activate my card and they kept making me send documents every time and claim they either didn’t get it or they needed more. I have never in my life have had such a difficult experience in activating a simple credit card that was already approved. I ended up closing the account altogether and went to another bank and applied for a credit card and got it in the mail in a week, with no problems whatsoever… My advice is to never apply for a credit card through Pc MasterCard! Customer service is horrific and won’t help or solve problems...

I applied for a credit card 3 months ago. I was approved and had it sent to me. I moved the day the credit cards were delivered and when I went to activate the cards I was forthcoming about this information (I waited 2 hours on the phone before I was able to speak to anyone) as I wanted another card sent to the new address for my partner to use. I was told that they could not activate the card now as I recently moved and needed to reapply with my new address. Alright fine. I reapplied within the same day after getting off the phone. I was told I needed to provide the new lease agreement so I did. I waited a month with no answer. I called back and waited on the phone (waited 3 hours this time) to be told that the information isn't correct - it was missing a signature on the lease. Nobody had called to tell me this, but alright fine. I hung up and resubmitted it within ten minutes. Two more weeks went by so I called back again and waited another 2 hours on the phone to be told that the information had not been processed and that there was no need for me to call them to follow up as they will call me when the information is processed. I doubted that, but okay. I waited another 2 weeks before calling back (another 2 hours on the phone). The man on the phone told me that they had received the documents and he put me on hold to make sure that the information was correct. He confirmed that there were signatures and that everything was correct. He told me he would put a rush order on the card as it had now been 2 months since I applied. I was told someone would call me. Three weeks later I received a call from the very same man. He was now telling me that the documents he had confirmed 3 weeks prior did not exist and that they were still waiting for me to resubmit them from 2 months ago. He said, "If you're having trouble sending the documents we can try a different form of address verification". I cancelled the application then and there. I don't understand how a company that handles money can be so unorganized. Not to mention the wait times... 2-4 hours on the phone before speaking to someone is unacceptable. Going weeks/months without receiving a call back is unacceptable. I understand it's a pandemic, but at what point do covid wait times just become an excuse for terrible customer service management? Not to mention the call representatives clearly have no idea what's going on. I received contradicting information/advice every time I talked to someone. And then to turn around and blame me for not providing the information? Man... Get it together.

Impossible to get phone support. The activating card appears to require you to "set" i.e. change password then gives you a warning about problems you may experience with the password. The feedback tab doesn't appear to work with Edge.