Presidents Choice Financial MASTERCARD Consumer Reviews

Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it cancelled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2-hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer, I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never-activated card and see no use for this product.

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.

Although this company has an agreement with Shoppers Drug Mart and people are generally happy since they are getting points, any time there is a fraudelence in your account, the support is bare minimum.
I had a fraudulent charge on my account from a photo shop in NY where I haven't been since more than 15 years. When I complained to PC, they first refunded that amount, but then called me back when I was away for 3 weeks on vacation and then added that amount. Since then, this issue was not resolved. If I had these issues with another credit card company, like major banks, they would have been resolved long time ago. Finally, I took my complaint to the Ombudsman and waiting to hear a favorable solution.
I DO NOT RECOMMEND THIS CREDIT CARD TO ANYONE. ALL OTHER VISA CARDS OFFER POINTS OR REBATES. DON'T LEARN THE HARD WAY LIKE I DID!

More a headache the longer I have it. Every time I get an non native English speaker they tell me the charge is not fraudulent and send me to the dispute department. I did NOT make the charge! That is Fraud. After 8 phones calls I finally got an native English speaker in Disputes who fixed my problem, re issued me a new card and sent it back to fraud all done for them! and I got my $$ refunded

I have a dispute issue and same thing with non native speakers, they can NOT communicate, do not listen to what you say and do not do what they say. They claim my dispute is being cancelled due to inability to contact the seller, which is my problem. And told me they cant help me, do it yourself. Its obviously some kind of scam, as the minute I applied for a refund the agent when awol as well as my Credit Card company, whom is supposed to help me!

Terrible service!

Just recently got rid of my annual fee World Elite BMO card in favour of the no fee World Elite PC card.
I've been using credit cards for everything as we live quite remote and rely on online shopping. Also I need a "large" card because I need to travel for work alot and require features like the included car insurance.
The PC card arrived in the mail with no problem. The issues started when we tried linking our existing PC account to this card. It just simply would not work. Also many time I did not get points a PC store as the cashiers don't know how to run this cards to give you the points. (They need to swipe them twice apparently).
The worst part was, that my new PC card become compromised after about three weeks of using it. Someone, somehow spent $3,000 before this fraud was detected by myself. I've received a fraud detection text message from PC after the damage had occurred. PC opened a fraud case and most of the money has been refunded except one larger charge. It has been over ten days and I still haven't received a new replacement card yet. Once this fraud case has been resolved I will most likely cancel this card and return to an annual fee BMO or RBC Mastercard.

I had 4 charges of frauds FROM AIRBNB on August 18, 2023:

I phoned PC Financial at and spoke to a lady to report these frauds
and I got the corrections (refunds) of 3 frauds next day but then PC Financial put these 4 charges of frauds back to my account again. I tried to contact PC Financial again to find out the problem but failed to contact them, I were put on hold for 45 minutes and then the connection dropped. I phoned again and got the same respond (holding for 40 minutes and the connection dropped). I will try again to dispute these frauds from AIRBNB and then I will cancel my PC credit card after 25 years using it for its grocery points.

I was charged $1400 on PC Mastercard for a service I never used. I disputed the transaction, PC said they would get back to me within 5 business days. I didn't hear anything until I called them a month later and they said no one had looked at the file, but that they would push the matter and someone would get back within 2 business days. I didn't hear back until I called another month later. They said, someone left us a voicemail on a friday afternoon and that we were instructed we had 2 days (over the weekend, while we were off the grid) to respond or the matter would be closed. We found a voicemail that was completely inaudible, which I assume is PC. We were told that they can't reopen to dispute and that the matter is closed. We made a formal complaint and again, we were told someone would get back within 2 days. It's been a month and I haven't heard a peep. After 15 years, we moved on to another provider, as we DO NOT TRUST PC WITH OUR MONEY!

I fully agree with other reviews that their customer service and fraud departments are horrible. Two weeks after I reported that clearly fraudulent purchases were made on my card, and I was assured (after 5 hours of wait on the phone and inane conversations) that the charges were reversed and the card cancelled, new fraudulent charges were posted (which I reported), and I am still getting repeats of the same fraudulent charges. We love the free groceries, but this is not worth the aggravation. My new card took a week to arrive. Needless to say, I will not be using it.

The PC fraud department contacted me about suspicious activity. I returned their call and confirmed a significant charge for a new Apple phone was fraudulent. They assured me this would be taken care of and removed from my bill. After two months and 3 more calls to follow up - each call taking almost an hour on hold before reaching a representative - the charge has been applied to my new card and the card has charged interest for this fraudulent charge. PC customer service is unprofessional, unhelpful and incompetent. When my previous bank alerted me about suspicious activity many years ago, my account was immediately closed, a new card was issued and I never saw the fraudulent charges again. The PC Mastercard is the worst charge card I've ever had and the service is extremely unsatisfying and poorly handled. I would never recommend this card to anyone... ever.

Apparently, something happened with my card. What it was I don't know. No one will tell me anything. Been on hold on a phone for hours waiting to talk to someone to find out what happened. When I finally got a representative they couldn't tell me the reason why my card is not working, they are doing some sort of investigation? I was transferred to 3 different people, all of whom couldn't tell me any reasons for my card freeze. I can't even access my account online to see my card balance. It's been 7 days now! I have reoccurring bills attached to that card. This is completely irresponsible and unacceptable. I finally got told that they will mail me a new card. Great, still no explanation, and still can't see my credit card bill. I pay my credit card off in full and on time. These people are beyond negligent. This is criminal. Needless to say, I am now getting two new different credit cards. You can't rely on this card.