Presidents Choice Financial MASTERCARD Consumer Reviews

They flagged fraud - but I had to call THEM to verify. Called 3 times and waited for 45 minutes each time before hanging up. Ridiculous!!! Sent a message via email and someone called me days later to apologize and lift the hold on the card. Two days later I tried to use the card at the market and it was declined. What!???? Get you act together. I'm cancelling!!!!!

I waited two hours to get through to a customer service rep only to be switched to 6 different reps and still have no resolve to 2 issues. 2 weeks prior I called because I have all these different charges on my card from SPN SHOPATRON rep told me its a scam and cancelled my card. I called to find out what was going on with this issue to be told it's not fraud it's a dispute so I asked why my card was cancelled if it isn't fraud the answer I got from a so-called manager I don't know I'll have to look into it. I also inquired about a payment I made that was not credited to my account, I was told to call back the next day if it was still not credited and they would start an investigation. I called back the next day to be told they don't do the investigation it has to be done by my bank after spending another hour on the phone waiting to get through. I will be paying this card off in full and cancelling it. Worst customer service I have ever experienced.

I opened a PC money account a few months ago. I tried logging into my online banking and it wouldn't let me so I gave the customer service a call. They then told me that they had closed my PC money account without even telling me and I could no longer access my money. I made weekly deposits into the account and purchases every week. They could not give me a reason why they closed it but said a check would be issued to me in the mail with the remaining funds left in my account. I would not recommend PC financial to anyone I've never heard of this happening before.

The thief called PC Financial in March 2020 cancelled my credit card and asked to deliver a new card to his address. The bank issued a new card to a thief, who committed fraudulent transactions abroad for 3 months. The collectors started calling asking me to pay for the bill in July 2020. Since my card was cancelled, PC issued to me a new card. I wanted to close my profile and have no deal with this compromised bank, but they transferred all fraudulent transactions to this new card and keep sending me the bills to pay. The issue is not resolved until now, their agents don't work, I've been calling them all this time for over 6 months trying to set up this issue. To all cardholders: this bank is compromised, anyone can have access to your personal information and their agents will not protect you.

I strongly suggest to think twice before applying for this credit card. I've got approved online, in 5 minutes and I did receive the card two weeks later. When I had called them to activate it, they've told me that the account was closed. When I asked them the reason why they provided me with some general reasons... none of them apply to either my score nor my profile (which is in excellent condition and I was never rejected for any type of request). Later, I had searched for reviews for this card/company and have discovered that overall they received very bad feedback. You might be tempted to apply for this card based on their 6-month offer @ 0.97% but you'll end up wasting your time or even worse.... having a bad experience with them afterwards... Read the reviews before making any decision.

I had a PC Financial credit card for several years, and in 2020, they suspended my card for maintaining a balance for too long. Not for being overlimit, not for not making payments; simply for maintaining a balance, in spite of always keeping it under the limit and paying at least my minimum every month (often more than that). I contacted them about this and the agent claimed that this was a rule and that I'd been notified. I had not. There was no letter on record and nothing on any of my previous statements warning about this action being taken. In spite of this they refused to remove the suspension and just offered that if I made a larger payment, they could consider unsuspending. I immediately made a larger payment (IIRC about 1/4 of the balance), and they told me that wasn't enough, and that they would now unsuspend my account when the balance was paid. So in April, I paid down the remaining balance, and have maintained a zero balance since then as I intended to buy tickets with PC Travel this fall. Fast forward to today, and I attempted to buy the tickets. Turns out my card still wasn't working. I called them to enquire, and they now said that my card was marked for purging due to being unused for too long. I asked them why this was because it wasn't set to expire until July 2021, and they said that they reserve the right to purge accounts, not in use. I asked them to reconsider, under the circumstances, and given the runaround, they'd given me, but they would not. My only option would be to wait for the card to be purged and then reapply for a new card. No thank you! Stay away from PC Financial Mastercard.

I went over my limit and my card got suspended, so I paid everything off. I tried to close my account and they wouldn't let me because I still have optimum points. Now I call during COVID to ask why my card isn't working, and they tell me it is suspended without being able to give a reason why. Manager on the phone was really sketchy and their overall business is unprofessional

We were so happy to get our PC card. We were excited to collect points but our experience has been absolutely terrible. Within the first day of use, one of our transactions got flagged. The account on hold as it was considered a large purchase on a newer account. Fast forward three days later, and five phone calls. They tell us someone will call to authenticate us within 24 hours. When we call back, we get the same message. We call every morning and yet it is the same story. Nobody can serve french speaking people and while both my partner and I called to confirm our identity, that doesn't seem to be enough. We were jumping through hoops to use their credit card. There are way better companies out there and they will let you use the services you signed up for. STAY AWAY!

I just got my card, activated it, as well as my husband, was at the grocery store with ONLY this card in hand, and it was declined. An 8k credit limit, brand new card, never used, and it was declined. Called while at the store, only to be told it wasn't active. Sent me through the automated system to activate, and tried the card again. Declined. Left the store with no groceries, horrified, embarrassed, and angry. Got home to call again, only to be told yet again it wasn't active. Activated a 3rd time, only to be declined AGAIN. Both cards. Finally, tried one more time, my card was declined, the husband was able to cash advance $20. Decided to go to a different store for a few groceries, only to yet again have BOTH cards decline. Tried the bank again, still, both declined. It's useless. I have never had an issue like this with any cards, and I am shocked you're still even in business.

I called in because my card wasn’t working and I just received it not long ago and then the first question they asked me was for my social insurance number - that’s pathetic because it’s illegal to ask anyone for their sin number!!! This company needs to be shut down. I have recordings with employees while I’m on the phone with them and they are hanging up on me just because I questioned them that why are they asking for sin number and they hung up on me. WORST SERVICE EVER THESE GUYS WASTED SO MUCH OF MY TIME. I spoke to a lawyer about this and we can take action which I am. So watch out!