Credit Card Reviews

Presidents Choice Financial MASTERCARD Consumer Reviews

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(404 reviews)
Presidents Choice Financial MASTERCARD
1.6 out of 5 stars:
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Decrease limit

by Sherry on Feb 25, 2021
1 out of 5 stars

We were paying our credit card every month no late payments all of a sudden there was a decrease from 14000 to 7500 so it hurt our credit score. No notification or anything. Thanks

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0 stars if possible

by Arif Khalid on Dec 10, 2020
3 out of 5 stars

This app has got to be the worst app possible. It barely ever lets you sign in to see what's going on with the account. Not only that, but they automatically change your credit limit without telling you. This is by far the worst credit card I've had! I would rate it 0 if u could.

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Avoid at any cost

by Carl on Aug 20, 2020
2 out of 5 stars

I got this card for my daughter, so she wasn't always borrowing mine to order things online. My daughter was not working because of the COVID stuff so I have been making her payments, every 2 weeks I put money on her card, I got this months statement saying I didn't pay enough last month, so the card was suspended and the credit limit lowered, when I phoned to find out what was going on they told me I didn't make the full payment for the month before, and then they told me they had taken the payment I made on July 9th and applied it to June's bill, so it looks like I didn't pay my bill on time when I complain I was informed that they can apply the money to whichever month they want to and the only way to avoid this is to make 1 monthly payment on the 15th of every month...

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Scotia Momentum Visa Infinite Card

Scotia Momentum Visa Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. 

Get this card / Apply online

Worst card ever

by Aaron Watson on Apr 19, 2024
1 out of 5 stars

Worst card ever for everything! I have good credit and I had the card for 6 years with not a single missed or late payment, and I couldn’t get a limit increase from my $500 starting limit.
Customer service is awful too.

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They keep lowering my limit

by Ricardo on Feb 14, 2024
1 out of 5 stars

They lowered my credit limit twice in the last 3 months yet I never missed a payment.
Their customer service is disgusting.
Do not bother with this card or any PC products for that matter.

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Baisse de credit sans avertissement

by faucher73 on Feb 9, 2024
3 out of 5 stars

J`ai une limite de crédit de 1500$ depuis 2 ans, je monte souvent ma carte a 1000 car je met pas mal tout sur cela pour avoir les point pc sans jamais passer un paiement
et je fais mon paiement de 1015$ et bang il me baisse ma limite de credit a 1000 sans avertissement aucun appel ordinaire je vais changer de carte pas fiable et très dur a rejoindre avec mon nom utilisateur ils seront je suis qui?

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Get this card / Apply online

Stay away

by Rylee on Jan 3, 2024
1 out of 5 stars

I’ve had the most horrendous experience with PC financial credit cards. I’ve had the card for a few years and only wanted it for the points. The credit card gets you nowhere further with points although they promise the world.

Terrible experience #1:
Auto-payments from my primary account (different financial institution) had expired without me realizing it which meant I had missed 2 payments with my PC cc. Not one phone call, email, notification from PC Financial. I had randomly logged into credit karma and found out that I had missed the payments. That day, I had got a call from a third party to say that my account was going to collections. Not from PC financial. With no communication, they sent my account to collections. I have never missed a payment once prior to this.

Terrible Experience #2:

Once again, I signed into credit karma to see that my PC CC was under closed accounts. Upon spending 30 minutes waiting to speak with someone, apparently there was a request to close my account through a request to speak to a representative online. Never got a call. Never got a confirmation that my account had apparently been closed. Nothing. As I write this, I’m trying to put an offer in on a house and find out a huge amount of my credit amount had randomly been cancelled which can seriously mess with my pre-approval.

Just avoid this financial agency at all costs. It’s a true customer service nightmare.

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Lowered credit limit

by Startrail on Dec 25, 2023
1 out of 5 stars

I have no idea what I have done to this company. I have held this card for 1 year. I have paid more than the minimum payment on a $3000.00 limit card. Normally I pay $400 a month to the card. I have never missed a payment and never late. I paid off the card last week and this week I got a message - We make every effort to ensure that your President's Choice Financial® Mastercard® meets your needs. Due to your recent account history, we have decided that a lower credit limit would better suit your requirements at this time. Your credit limit has been lowered, effective immediately.

Your new credit limit is now $1,000.00

I don’t understand what I did?! I see others have expressed their frustration and disappointment about this card. I will be cancelling this card. $3000 was too low much less now $1000. I make $140,000 a year. I’m better off without a card like this.

Don’t even waste your time getting this card! It is a complete joke. Do not use this card before this company embarrasses you!

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PC Mastercard the worse to get

by William on Jul 8, 2023
1 out of 5 stars

They promised me a credit increase after 6 months if I kept in good standing. I did and was stranded somewhere far from home and asked for an increase for emergencies and they denied me and I always kept my account paid. They are not for customers! I decently don’t recommend this credit card.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:

 

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65

Get this card / Apply online

The don't care about you...

by Jason Laroche on Jun 23, 2022
1.3 out of 5 stars

I have had this card with them for over 7 years. I may have been late to pay maybe a hand full of times. My credit limit was $2900. I've been using it and making payments monthly. I made a payment of $2600 towards my card after selling my camper. Went to use my card at the dentist and was declined. Checked my balance and my limit was dropped to $1000. This is their response. "We make every effort to ensure that your President's Choice Financial Mastercard meets your needs. Due to your recent account history, we have decided that a lower credit limit would better suit your requirements at this time. Your credit limit has been lowered, effective immediately." First off, as a loyal paying customer, how is the drop in limit meets my needs... No way in hell it does. AND HOW WOULD A DROP IN CREDIT LIMIT BETTER SUIT MY NEEDS. WHEN I NEEDED THEM THE MOST, I WASN'T ABLE TO PAY FOR MY $1600 DENTAL SURGERY. I had to empty what little savings I had after taking my kid to a sick kid's hospital. DON'T WASTE YOUR TIME ON THIS CARD... THEY ARE A JOKE OF A COMPANY. I will be avoiding every company that offers PC Optimum points. GO...YOURSELVES PC.

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