Presidents Choice Financial MASTERCARD Consumer Reviews

I do all of my banking online. Not the safest way to bank but my job had me travelling a lot and I needed to be able to do banking this way. The PC Mastercard site is garbage. I ALWAYS HAD TROUBLE LOGGING ON. Now with their new enhanced security, they are forcing you to use Google Chrome according to the customer service rep I spoke to since I cannot log on with Firefox. Google already knows way too much about me just cause I use Android, they don't need to know my CC history as well. I am paying off my balance and cancelling my card. If a large corporation cannot develop a site that works with ALL browsers, how secure is it really?

This was one of my favourite credit cards until they did this to me. I hadn't received a statement in a while, so decided to log in and check, but I couldn't log in...I got something about fraud prevention and that I need to re-certify my login by doing some reset of password and them sending me an authentication id. Tried this, failed, got locked out, told to try in 10 mins, 2 hours, and then 2 days...that's when I asked to speak to a supervisor or manager. Turns out they have switched something over, said they sent me an Email about it, which I never received...in this switchover they also reset all notification settings to blank, and that's why I never received a reminder that my balance was due on Nov 7...but it was on Nov 15 that this nightmare began for me. So I paid my bill and was told that after interest rate charges show up on my account that I should call them back about it. A few mistakes they made here...number 1. They say they sent an Email, but because this is MONEY, they should have put a CLICK TO CONFIRM in that Email to ensure two-way communication was achieved successfully...number 2. Zapping notifications was a mistake that could have been avoided if a seamless transition and true customer care was a concern in their switchover. Even if they remove interest charges, this episode makes me rethink who I am doing business with. On the subject to money, I have a zero tolerance for incompetence, which I think was demonstrated here. Customer service is the one and only way that I evaluate a company, 'nuff said.

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!

25-30 minutes waiting time each time I call customer service. I only use this Mastercard at selected grocery stores for points. Points are the only reason I have this card. If Costco had all grocery items, I would have shopped there to get 2% back instead of using PC Mastercard. Many years ago, my card was hacked, they had accused me of some charges and had made my life miserable for a few months. Customer service is simply horrible, this card and Canadian Tire Mastercard. Lesson: Never again subscribing for any store-based credit card.

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.

The reason for the bad rating is regarding security. My Grandmother's wallet was stolen from her at the Grocery store yesterday. We called the police and called all of her card companies, but PC financial was an unfortunate experience. She is old and English is not her first language and for security we aren't allowed to help her validate herself. By the end of the phone call we had been told that my grandmothers pin must have been too easy to guess as they had gotten it on the first try and we were liable for the money. It is now under investigation but just the idea that we have to worry about this when she's never even used an ATM before is really upsetting. Most of the companies assured us right away that this would be sorted and she was in no way liable. I've advised her to cancel the card after the investigation as it just isn't worth the risk if she is ever targeted in the future.
To be fair this has nothing to do with the rates or any other part of receiving a pc financial card which she really liked, just the customer service and security when banks clearly have insurance for these kinds of ordeals.