Presidents Choice Financial MASTERCARD Consumer Reviews

I live in Toronto, I paid my owing balance in full and closed my account with PC financial, but this year when checking my credit score, I saw an outstanding balance for $92.40 and shows that I’ve been making my payments for these past two years. I didn’t. I closed my account. When I called the employees at PC Financial, all of them were very incompetent, and the best answer I got after three phone calls was that after I closed my account, a payment for $3 came through, so those three dollars are now $92.40, and now I have to pay for it. Still not the worst part of dealing with PC financial. Hang on tight. The most disappointing is that the very next day that I called PC financial, I got a scam call, very convincing to be honest, I can see how a not very smart person would fall for it. I almost did. After my surprise with PC Financial, it is not hard to conceive that someone borrowed one million dollars under my name, and now I have to pay it. These scammers had some of my information too. Yesterday, I called PC financial to ask how I can settle my account. As usual, I talked to a couple of employees with lousy English and incompetent. I am polite to them, by the way. Today, I woke up with a surprise on my visa Scotiabank. A charge for $2500 from ”Western Digital Corp 2”. Is it a coincidence that every time I contact PC Financial so that their employees get access to my private information, I get scam calls and now a steep fraudulent charge under my name? A breach of trust from a financial company is unacceptable, and they should lose their license as a financial institution.

I have a PC Mastercard. Never missed a payment, was always early, and always paid more than the minimum amount. Today I checked online, to find out that PC Mastercard had closed my account. No warning, no letter, no explanation... I called, and went through hell trying to speak to someone. One after another, the customer service agents were terrible to speak to. One accidentally hung up on me, then when I called back I spoke to another person and it sounded like there was a party in the background. Finally, I demanded to speak to the supervisor, I was informed by him that they do monthly credit checks for their existing clients (that's right...), and because my credit score had slightly lowered due to another company (I repeat, another company that has nothing to do with them), they decided to close my account. Not only is this appalling, it's also judgemental, derogatory, and should be illegal... And one last thing: by checking your credit monthly, and deciding to close your account due to what they see, they are lowering your credit even more. I now have "Account Closed" on my credit report

I went to a restaurant on July 19, 2019, and my credit card was blocked when I was trying to pay by my PC Mastercard. I called their Client Services and they told me I could not answer some security question regarding my account (which I have no idea when or where this happened). Then I called the other day trying to find out why and the agent told me not to use the speakerphone. I think this is so rude and she kept saying because I am a sup cardholder and blah blah blah... Next day, I cancelled my sup card account. Before that, I personally used this card for the regular purchase and generated $ 3,000 balance each month. Now I and my wife are not using PC Mastercard at all. I have so many credit cards in my whole life and never missed a payment. In my personal experience, PC Mastercard constantly checking your credit bureau quite often than other credit card companies. If you don't want soft hit / hard hit on your credit bureau, better cancel this card now.

I thought I'd give PC Mastercard a chance. I like to check my account every once in a while to see how much I spent, when I need to pay off the card, etc. I do this often so that I can stay within my budget and plan ahead financially since I'm a broke uni student but have a card in an attempt to build good credit for the future. I don't have a bank account with them, so I can't use an app to check my balance which is why I have to do it on a browser online. No big deal until they launched their new website. To be honest, it looks nice, I love the layout. It asks me to verify my account, so I did and added my devices as trusted ones so I don't have to verify again. Here's the problem... every single time I try to log in, it makes me verify with my credit card number even though I already verified with that device in the past. Being a young adult, I mostly use cash or pay with a tap on my phone. I don't always have my card with me, which sucks when I want to log in. They don't even allow you to verify with a text/email code or anything else. Then what was the point of asking me to create security questions when I can't even use them to log in??? Customer service doesn't help much either. When I log in (inputting my credit card number, expiry, ccv, etc.), they gave me the option of getting notifications. For example, I can set a budget and it will send me a text when I go over it. I thought "excellent, it's a garbage website but at least I won't really have to log in as often if it will just notify how much I'm spending". BUT along with the website, this function is also garbage as in it doesn't even work. I am very disappointed and will switch companies once I pay this off next month.

I got my PC master Card hacked and 2 transactions appeared at the same place: addiction house treatment in Kitchener basically at the same time that I was in the mall updating my cell phone. I called the customer service and they said they can’t do anything because the “purchase” was made with my card and PIN number. They cloned my card for sure, but customer service just say that their card is impossible to be hacked. Just got the card blocked and waiting for the last bill to cancel the PC credit card for good, PC master card, never again. Back to TD Visa, where the customer service works!

I had a PC Financial card for almost three years and used it and paid in full every two weeks. Went to use my card and it was declined. Thought it was the credit machine, tried at a different store and still the same. Called customer service and my card was cancelled due to it being compromised. Now, this supposed compromise happened in July and here we are in September, no phone call to tell me and if it was compromised, why would it not being cancelled then and not 2 1/2 months after. Was told a new card was sent which I didn’t receive, but I sure get a lot of calls to increase my credit limit! Cancelled the card immediately, not worth the 10 dollars a month towards groceries

It is the only credit card I have used where I cannot access my OVERPAID credit card and have to wait 3-4 business days to speak to someone in security about how to unlock my account. Customer Service agents are patronizing about how they "know how frustrating this must be" and that someone will call me in 3-4 business days instead of solving the problem while my overpaid account is locked and their excuse is that I cannot remember how I set up my account to begin with. Unbelievable. An hour wait to have nothing resolved and my overpaid account still locked. If I could, I would rate it 0 stars.