Presidents Choice Financial MASTERCARD Consumer Reviews

Our card was blocked because we forgot and were late one payment. The notification we got was misleading because it said we had exceeded our limit (we weren't close to your limit). We have had the card for years and have paid off the total balance monthly. This was the first time we were late on a payment. I have never had a card that was so aggressive in its block.

Although I have been a customer for well over 15 years and have spent thousands of dollars through pc MasterCard, when my points were stolen I was told that it is my responsibility. I am told that it is the customer’s responsibility to know the card would get compromised. As a customer this is a large risk to bear hence I canceled my PC master card and optimum points.
Customer service is not focused on looking out for customers they just follow a checklist. They should be trained better.

Presidents choice Mastercard:

The way customers get treated by customer service is blamed at the top. It’s July and my account has not been active since June 3rd.

There has been no notification Indicating an apparent suspension enlisting: over limit, do not go over, and respectfully I was 60 dollars to find this out on July 11th.

There is a reason why there is high turnover and low morale between customer service representatives and clients that work there. They state monthly. Statements that everyone reads big say nothing about the suspension.

If you want to sign up and get a free bag of cookies and be treated horrible sign up. Spend a lot of money online and the store earns PC points where you can buy peanuts and cracker jacks. The circus is alive and well! Thanks but no thanks

-Compromised Transactions were correctly removed from the card
-New Card never arrived
-Called in for a repeat request
-Was sent the same compromised Card number meaning the card was never cancelled
-Used Card was rejected
-spoke to CSR again after 45 min wait;
Told me the card would be expedited but needed to talk to another CSR
- Asked if I needed to wait more time; no would be quick according to CSR
- waited another 45 min and I needed to go out and hung up
Conclusion: Presidents Choice Master Card does not want Business. I am considering another Master Card which offers comparable money savings.
Message: We are currently experiencing long wait times is misleading as I have heard this message for at least 5 years. Be honest with your consumer. Let them know you prefer online instead of a phone. Believe me - We are capable of understanding.

And was worried. I didn’t use the card but then decided to. Well, it’s true. I was using it and suddenly a transaction got blocked as fraud. Okay! Then I receive a text message asking me to confirm the transaction as legit or fraud. Okay! It’s legit, now give me my card access back! It never worked again anyway. Fast forward a week, finally, I get a statement! But oh no, I can’t log in to my account anymore and I must call customer service! So what happens if they can’t help me? Does my credit go to hell because I can’t even pay my bill?

I had a card with them for a long time. Multiple times they changed my credit limit without my knowledge. One time, they closed my account without my knowledge and I had to figure out why and fix it.
Then when they introduced their World Elite Mastercard, I wanted to go for that card but they did not let me. I closed my account and applied for the World Elite card directly and got it. But all of this shows the hassle they create for you.
They also do not allow any third party to your account, say if you want to sync your transactions with Mint or with your bank which is another minus.
The only redeeming quality are the PC points at Loblaws group of stores, so only get this if you shop at Loblaws, superstore or the like very often.

Absolutely horrible on every level. They keep blinking my card even though I’m paying my statement in full! Clearly, if you’ve received my payments over and over and know my shopping habits, then you shouldn’t be blocking my card. If I’m entering my pin, it’s me!!! If you’re scared of fraud then don’t run a credit card company. Or if I haven’t paid my bills in full!

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.

Paid card off Oct 1. Purchased something on Oct 7. Since then unable to use our card... unable to get help. Unable to email for help. Unable to log in as access is denied. Unable to phone. Have been waiting over 1 hour with no response on 3 occasions. Terrible service. Can’t imagine if we would lose our card or have it stolen what we would do. Hopefully, there is no fraud happening. As soon as I can I am cancelling my card.

Called me to ask about the authenticity of the purchase, was legit. Lock my account. I have called more than 4 times been on hold for over 2 hours each time for customer service just to transfer me to another department with another 2-hour wait time. I just need them to unlock my card which has zero balance. All bills linked to my account now all other companies emailing, calling me. PC you are the most brutal company to get a hold of. I called other company's customer service departments and got through in 10 mins each!!! I get my 2.3Million points back and go with another credit card company that knows what good customer service is. PC you are terrible. Would give -5 out of 5 if I could. Shame on you.