Presidents Choice Financial MASTERCARD Consumer Reviews

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.

Twice now I have had to call and inquire why I am being charged interest on credit card statements when the bill is paid on time (full balance). It actually happened on 3 statements. I didn't catch the first one (it was $6) but the second one was for $101, so I began to carefully check bank statements. Then recently, so 6 months after the first one I caught, it happened again. They reverse them but a ridiculous process to speak to someone and ZERO explanation as to how this happened!!! They don't even question you they just say they will reverse it. Suspect, to say the least. I used to love this card but I think this time I will be cancelling it for good, after 20 years.

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.

I waited two hours to get through to a customer service rep only to be switched to 6 different reps and still have no resolve to 2 issues. 2 weeks prior I called because I have all these different charges on my card from SPN SHOPATRON rep told me its a scam and cancelled my card. I called to find out what was going on with this issue to be told it's not fraud it's a dispute so I asked why my card was cancelled if it isn't fraud the answer I got from a so-called manager I don't know I'll have to look into it. I also inquired about a payment I made that was not credited to my account, I was told to call back the next day if it was still not credited and they would start an investigation. I called back the next day to be told they don't do the investigation it has to be done by my bank after spending another hour on the phone waiting to get through. I will be paying this card off in full and cancelling it. Worst customer service I have ever experienced.