Presidents Choice Financial MASTERCARD Consumer Reviews

I was security flagged for some reason after I had received the cards and was unable to activate them because when logging on to the PC Financial app as it was restricted. Called and waited and waited. Sent in my supporting documentation. Waited 3 weeks, tried to log in but still Access Restricted. Was told that my documentation did not check out!!! I've lived in the same owned home for over 30 years, I'm employed by the same employer for over 20 years and have excellent credit. Something is not making sense here. They solicited me to get the card, I thought I'd use it to collect more points - I don't need any more credit. Makes me suspicious of their intentions quite frankly. And the agent I spoke to on the 2nd occasion confirmed that I was flagged for something and that it was not random as I was told on the first call. Sounds like a lot of trouble to have a PC Mastercard! So it all worked out in the end.

I applied for a PCF Mastercard. The card was forwarded to me at my new address and Canada Post refused to deliver it or return it to the sender. Then I called PCF and changed my address. They sent the card, but my file went to the security department who put a lock on my account. As a result, when I received the card, I could NOT activate it. They asked for proof of my new address which I sent immediately, then they asked for 5 days to read their email. I gave them 5 days. Then I called them. They informed me they would need another 2 days to read it. I gave them 2 days. Now I am tired of all their lies/dishonesty and will be destroying their credit card.

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.

When I signed up for this card I selected that I want the payment to come from my checking account, not my savings account. But they started to take it out of my savings anyways and then blamed me that I filled out the form wrong and told me to resubmit it. So I did, correctly (again), and they still took it out of the wrong account anyways. After 3 calls over the next 3 months, they continued to assure me the problem would be fixed, and they continued to take the money from the wrong account. Always making me feel like I've made a mistake or misunderstood something. It blows my mind how after months they cannot fix such a simple issue. I do not recommend this card to anyone.

I had a PC Mastercard 17 years ago, but I stopped using it 14 years ago. Because my last PC Master was scammed. Then, they sent me a letter. According to the letter, they would close my account, because there was no transaction for the last six months. So, I cut my last PC Mastercard. I paid for all the purchases. 17years later, I applied for PC Mastercard. They denied my application form. I called customer services... I waited for 30mins. According to them, I owe the company money. That's why they denied my application. I didn't know that I owed them money although I paid for everything! They haven't contacted me for 14years! Even though I questioned them, they didn't give me answers. They just gave me many excuses... My last Mastercard account closed completely, but I still have to pay for roughly $900. They couldn't do anything, even though I paid all my purchases off 14 years ago. I don't know where the $900 came from! I'm waiting for the $900 bill from PC Mastercard now. I recommend others never have PC Mastercard.

This company has pestered me to apply for their PC Financial MC. In an attempt to contact them for clarification of card features and application process when they sent me a pre-approval form, I was met with far more additional application hoops than originally indicated despite an impeccable record. I received multiple different answers from different customer service sources and honestly, there was so much lack of ability to follow up on my inquiries I requested no further communication from them. This was ignored and STILL, they repeatedly sent me junk mail. I have requested yet again to remove me from their contact. Absolutely a gong show. To anyone thinking of applying. Make sure you read ALL the fine print on this card as the rewards are far less than what it appears on their promo materials. Thankful I never got this card. Happy to continue on with my other products instead.

I had applied for this card. They asked for my photo id and I sent them. After a few weeks, I received the letter where they asked me again to send my photo id...

Got approached in the store by a lovely lady. Took all my info and she told me I would be contacted. The contact turned into an interrogation worse than homeland security. Got told I needed proof of existence when the lady took all my vital info in the store, in the end, had to abandon the application - all this just to earn points. Complete intrusion and not great customer service. I had to wait on hold for a while, they claimed system issues.

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!!!