Presidents Choice Financial MASTERCARD Consumer Reviews

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.

Have had this credit card on and off for over 15 years and I continues to be a pain! My card which is completely paid up continues to get declined for absolutely no reason. Call the customer service, wait for over 45 mins to be told it is my fault that the card is locked! Have to change my pin number for the 4th time! So sick of it! Don't bother with this card!

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 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.

I have been using this card for years and PC Master card has made money from what I spend. Recently, I was scammed by a free trial trap online. The scammers used Costco to make me think that it was a free reward from Costco. They hid important Terms and Conditions. I thought I only had to pay for the shipping of some skincare products. It was a month later that I know that I had signed up for a free trial and also autofill, which I had no knowledge of. I was charged $400 by the scammers. When I called PC to dispute the charges, the rep wouldn't even take this as a dispute. He said this happens every day. Since I clicked that button on the scammer page, where the important message is hidden somewhere, I have to pay the scammers and PC Mastercard cannot do anything. In a business world, shouldn't the merchant provide customers with a copy of the contract they sign? In this free trial scam, if you don't keep a screen capture of every page you went through, you really don't have any idea of what you agree with. Once you give out your credit card info and click that button on the screen, it is changed to another screen and the important info won't be shown again. The scammers won't be able to provide you with a copy of whatever you sign for. They ask you to check their websites. When another email from the same scammer popped up, I tried to pretend to go through the pages and managed to keep screen captures for all the pages. On the final page, hidden at the bottom, there are some Terms and Conditions. Comparing these Terms and Conditions with the Terms and Conditions on the scammer's websites, I find several key discrepancies. All this means if you don't have screen captures for all the pages you went through, you won't know what you have signed up for. Whatever the scammers say you sign, then you cannot deny it. According to the contract laws, shouldn't merchant provide customers with a copy of a contract? PC Mastercard knows exactly what these scammers are doing and they won't do anything. I will cancel my PC Mastercard.

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?

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.

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.