Presidents Choice Financial MASTERCARD Consumer Reviews

TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore. When I tried to refocus the conversation back to the original argument of the dispute he started to tell me that the transaction came out from the other card on the account and when I was telling him that he is wrong, it came out of the other card, he hung up the phone. As per their corporate policy, the call was recorded, and I'm hoping that someone will be able to listen to it. His tone, demeanour, and reasoning left me speechless. I'm now on the phone, attempting to cancel the account, and have been waiting for another 20 minutes to speak with someone. The worst experience I've ever had, and they effectively stole my money. $59.99 for four consecutive months in a row.

There was fraud activity that happened on my account. On calling PC one of the representatives told me that this happened on their behalf, it wasn't fraud and the amount will be refunded. After a month-long wait, nothing reverted. On the second time call, they said it was a fraud activity by someone and nothing was on their behalf. I requested again to settle down this problem but after another month, they didn't come up with any solution. All the time I had to be there in queue for hours. Now finally they waved off the fraud charges but kept on charging me interest associated with this transaction despite making a complaint several times. Their representatives don't know how to handle the situation.

They're all nice and good at first then suddenly if you're a day late on paying because you're supposed to know it takes them 5 business days to post your payment. This isn't true, my bank said once I made a payment it's made in real-time. They harass me constantly even when I pay on time. The customer service representative just wants to fight with you. I left them and never go back.

You need to wait 3 hours to get a chance to talk to a customer service representative. I have charged a $25 cash equivalent fee and I asked if it is possible to cancel it, but the answer is NO!

When transactions are downloaded for quicken and you attempt to reconcile the account, the outstanding balance (the amount you owe) shows up as a positive figure.
The outstanding balance in quicken is of course a negative number so the account does not reconcile. When I called customer service I was informed that PC Financial Mastercard does not support downloads to Quicken despite the fact that there is a link "Export to Quicken" on their website.
This does not happen with any other financial institution with which I have dealings.

They don’t answer the phone, they charged me fees without letting me know and can’t talk to customer service until you have 2-3 hours of free time.
I had to go thru different departments to resolve the issue. I finally hung up after spending so much time on hold.
One of the worst and unprofessional services is provided by PC Mastercard.

My Nov 25, 2021 statement covered Oct 26 to Nov 25, 2021. It has a balance owing $7,629.64. Nov 25, 2021 statement has payment due date Dec 16, 2021. I made payments $5,512 from Dec 08 to Dec13, 2021. My Nov 25 statement has balance leftover $2,117.64 ($7,629.64 - $5,512). I got charged $224.46 interest on Dec 23, 2021, for Nov 25 statement balance. My annual interest rate on purchase is 20.97%. All my interest is for purchase only. I contacted customer service and talked to Supervisor. Supervisor informed system does all calculations. Not happy with the system calculation. Never taking PC master card again.

Anyone looking to get double charged on your account using PC Express? Do you know? That nifty feature, allowing you to purchase a product from your home and then go to collect it at a later date? I used it for the first time ever and later found out that not only did they charge my credit card on file, I ALSO had to pay when I got there. Looked at my PC App and saw a charge on there. So basically you'll be paying double and then wait 5 full business days to get your money back. Who honestly comes up with this? So poorly planned. Do they also have anyone working there?? I feel like no one is ever there when I need to talk to someone. I am so going to cancel this credit card. So much trouble for little reward.

Tried to make a large purchase and it was declined, I had enough credit. I called customer service and the call had to be escalated 3 times (this took about 45mins of waiting). I was eventually told that because it was a large purchase it was being flagged and so I can use the card for smaller purchases and try the large purchase and it may or may not go through because it’s being flagged as suspicious and there was nothing the supervisor could do for me. This makes 0 sense, I have the credit, why can’t I make a large purchase if I’m consenting? Cancelled the card immediately.