Presidents Choice Financial MASTERCARD Consumer Reviews

I really can't recommend this card mainly because my account was in good standing and they put a block on my card for being roughly $10 over the limit, temporarily. The balance was brought back down to 0 within the week but I never bothered to reactivate the card based on principle. I just found in ignorant that they would authorize a transaction bringing you just over your limit, then send you an email advising you that they've temporarily suspended your card privileges and to contact them. I could understand if you have a poor payment history but it was so entirely out of the blue, it just put me off doing business with them. Ironically, if you check your credit report you will see that there's a note that says the account and closed even before you close it but that the terms you agreed to are fulfilled, no payments were missed and there are no negative reports attached. So that begs the question, why would you temporarily suspend someone's card for being a mere few dollars above their limit? It just makes no sense. Just stay away, There are better credit cards available with better customer service. PC Mastercard is unreliable. You can't know for certain that your card will work.

Worse credit card EVER!! Stay away! If you go over your balance you can no longer use your credit card until the balance is at 0?!

Not a good card company. Played havoc with my limit, bringing it up, then bringing it back down in two separate chunks in the midst of the COVID crisis. Even though the card was kept for a long time, utilization of other cards due to needing to suddenly build a WFH space justified their behaviour... Never mind that most places don't want to take cash which sat waiting to be deposited when it was safe for my compromised but to get to a bank. No help. No apologies. Oh, and they're raising their rates as soon as it's least needed. Not a great company to work with. Avoid this card.