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.

I am a loyal PC customer for over ten years, never in arrears rarely ever carried a balance over, have an "excellent" credit score rating. I went to use the card at the superstore for online purchases during the COVID crisis Quarantine and the card was declined without notice. After 2 hours of waiting on hold to talk to a representative(s) the only answer they had for the reason to decline my card was " Due to bank policy we reserve the right to decline your card at any time". This is how President Choice MasterCard treats loyal paying customers during the COVID Crisis; Inhumane!