Credit Card Reviews
Presidents Choice Financial MASTERCARD Consumer Reviews
This page has been viewed by: Please wait... consumers
(404 reviews)
Looking for the best Credit Card?
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
Filter
Most helpfull reviewsTags
Account Changes (6)
Agent/rep attitude (21)
Agent/rep availability (21)
Agent/rep callbacks (11)
Agent/rep knowledge (27)
Agent/rep language skills (5)
Application (24)
Billing/payments (32)
Blocked Account (38)
Cancellation experience (13)
Card fee (1)
Cash back (7)
Claim - adjuster (2)
Claim - denial (6)
Claim payout amount (2)
Claim processing time (7)
Complaints/ombudsman (2)
Credit Limit (42)
Email/message wait time (2)
Insurance: Purchase security (4)
Interest rate (17)
Late payment fee / NSF (2)
Mobile app experience (6)
No-fee (1)
On-hold times/transfers (19)
Online chat (6)
Paper mail experience (1)
Phone wait times (134)
Refund (2)
Renewal experience (1)
Rewards (19)
Rewards and Redemption (16)
Security & Fraud Detection (46)
Travel (3)
Website experience (11)
Review author
Are you interested in?
Every time I gas up or get free groceries (which is all the time) I am so happy with my credit card. I have always thought credit cards were rip-offs with blackouts or the annual fee. President’s Choice has none of that and I can't believe how much I save in groceries. I gas up a lot and will put $5 in at a non-PC gas station just to make it to the superstore. You really can’t beat the savings. I never have problems with website or customer service. Live it!
I'm writing this review because there are almost only bad reviews with these cards, and I have a completely different experience. I have this card because no big bank (TD or RBC) wanted to give me, a newcomer without a credit history, the credit card. I'm with this card for about 2 years. Once I lost the credit card, probably at the gas station, and realized 1 day after. There were already some transactions on my card I didn't recognize. Presidents Choice had no problem to cancel all these transactions. Second positive experience I had just now. We bought flight tickets with Primera Airlines, which went bankrupt. All we had to do was filling in a claim form and send a copy of tickets purchase via email. 4 weeks later I got the full chargeback. I was never waiting on the line more than maybe 3 minutes. Everyone was always professional and knowledgeable. To be honest with you, I didn't expect that free card can have such a good customer service. I like earning points for my groceries, I like that they are always improving their online customer panel. My friends recommended this card to me and they also have only the positive experience.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
Get this card / Apply online
Froze card on Black Friday purchase, which is what I ordered the card for, to earn points back. No phone call or mention that card was declined, lost most of my online orders due to Black Friday/Cyber Monday deals were gone by the time I was sent the email. I call customer services and they are surprised I didn't get a call, say it was a security breach yet no explanation how and the only way to release it was to pay $800 onto the card asap. So, lost on cashback and no apology or service, or option to verify on the phone even though I could match all info on application. Apparently, online retailers are stating they have been getting a lot of complaints about this this weekend from PC Financial MasterCard holders, where accounts are suddenly frozen. Totally out of order, and cancelling the cards...not worth it.
It was all fine and I enjoyed the rewards until they switched to Optimum and there was no way to connect and no online help. Mastercard cut. So deceptive in that at first they give you rewards but then no way to get them.
I got the MasterCard because I worked at a Shoppers and they had the transfer over while I was there. Now that I don’t work there, it’s useless. Their groceries are way more than anywhere else, customer service is a joke. I can’t take money out. I’ve only missed one payment in a year of only $50 and they completely froze my account. What?! I’ve always paid early and once I pay this off, I’m cancelling and throwing it in a fire. The first customer service guy I talked to was calm but kept going in circles and didn’t answer my questions other than told me he couldn’t help. Asked to talk to a manager and he was useless. Didn’t even try. I’m done
Scotia Momentum Visa Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
Get this card / Apply online
They do not help their customer if they have problems with chargeback. They are on the company's side, not their customer's. I'm cancelling their card. I would rather use my visa. They charge my account interest charges without my knowledge. Terrible customer service.
I've had my PC Financial Mastercard for 10 years, however, after being sent a second new credit card in the last year (both times they said my prior card was compromised..? and a new one was issued) I can no longer use my PC points or see my PC Points balance. The issue began on May 7th, it is now June 6th and they still have not been able to correct the issue. I've called 3 times over this period. Each time was given the same answer and told that the issue will take 6-8 business days to fix. It's now been 23 business days and they still have not corrected the issue. What good is the credit card if I can't use and redeem the points, and what good is a credit card company that is incompetent and has proven unable to solve a problem within a timeline 3 times more than what their own expectation of resolution is. I will be signing up for a competing card and if the issue is finally solved, I'll redeem my points and cancel the card.