Presidents Choice Financial MASTERCARD Consumer Reviews

I was charged $1400 on PC Mastercard for a service I never used. I disputed the transaction, PC said they would get back to me within 5 business days. I didn't hear anything until I called them a month later and they said no one had looked at the file, but that they would push the matter and someone would get back within 2 business days. I didn't hear back until I called another month later. They said, someone left us a voicemail on a friday afternoon and that we were instructed we had 2 days (over the weekend, while we were off the grid) to respond or the matter would be closed. We found a voicemail that was completely inaudible, which I assume is PC. We were told that they can't reopen to dispute and that the matter is closed. We made a formal complaint and again, we were told someone would get back within 2 days. It's been a month and I haven't heard a peep. After 15 years, we moved on to another provider, as we DO NOT TRUST PC WITH OUR MONEY!

The worst customer service I have ever seen! Waiting time is always over one hour. Never get a solution the first time...

After so many years as a loyal customer, it is disappointing to know that when times are rough this company is not loyal to their customer. Paying the full balance is all fine and dandy until you come into hardship. I have been hung up on and transferred to departments that have no idea why I am calling. You lose your PC points at their discretion. Very very disappointed and will not recommend this card to anyone.

I was dealing with PC Financial when I had a dispute over a purchase where I did not receive the product I was supposed to get. Not only was customer service awful ( wait times over 2 hours, only to speak with a representative who was unknowledgeable about the process) but the company offered me no help at all. Even when I went to put my card on hold as a precaution, the company said they would, and then when I went to test it, didn't. It may be seen as a cheap option, but when you really need your credit card to do as it is meant to (which is to protect the user), it will fail every time. My first review I've ever written because it was an appealing experience.

I recently called the call centre as I had a question regarding my card. After being transferred to a specialist, I was told that she didn’t have access to the information I requested. Each time I called I was given the same response. This person was going to transfer me to a supervisor then hung up. Very disgruntled. Time to cancel the card.

PC Mastercard product is the worst product on the market, with poor customer support, extremely long wait times, and customer service representatives who aren't trained, don't know what they are talking about and their advice varies from one customer service agent to another. Really frustrating trying to get anything resolved. I am a customer for the last 5+ years and only recently had the unfortunate experience of dealing with customer support since my card was involved in fraudulent activity.

No definitive answers when asking questions, getting shuffled around on hold repeatedly.
Not to mention they were rude when I tried telling them how frustrated I was.

I have had a PC Mastercard for 15+ years. When it works, it's great. If anything goes wrong, getting any kind of support from PC Financial will be a nightmare.
A while back, the tap feature on my card stopped working. I ordered a new one. I tried to activate it on the website, but the system wouldn't let me enter the activation code. I called the helpline, which put me on hold and scolded me repeatedly for not solving the problem using their useless website. I waited for maybe an hour and a half.
During this time, I actually walked to a store location and visited the PC Financial kiosk. The guy there told me that PC Financial deliberately made people wait for hours for telephone support, and would not help me anyway.
I hung up and called the next day, and after another hour and a half on hold, I finally reached someone. She told me that she would not do anything to help me, and in a rude and disapproving tone, told me to do it on the website. I told her that the online activation wasn't working. So she told me to call a different telephone support line. I called that one, which sent me into a series of useless online menus, but wouldn't put me through to anybody.

The phone wait times are insane and often result in a transferring of departments, and additional wait times. Sometimes receiving a notice that it's not even available.
When speaking with customer service the quality and knowledge is low, most likely what leads to a transfer.
Zero justification for their actions.
Example: notified them I would be travelling, my card was deactivated while travelling, unable to reach support to resolve the issue. Was told the issue was resolved, continued to be unable to use it.
Took about 4 days to get through to someone who could actually look into the card.
"Risk department" then proceeded to spend 30 mins going over my most recent transactions... none of which I could actually confirm due to not having access to my online account to view these transactions that took place in another country.
Complete waste of time and the service provider was completely incapable of understanding the level of frustration or to explain why the card was deactivated or apologizing for the inconvenience this caused.

I've spent a month trying to get someone to get in touch with me unsuccessfully. Avoid this product. They used to be so much better but now their customer service is absolutely terrible. I never used to have an issue with their service but now it takes 2 hours to get through to someone on the phone and then that person doesn't have any authority to actually do anything and your issue will need to be "escalated" and will go on and on forever without being addressed. I've been a customer for 20 years but am jumping to another rewards program because of the poor customer service I have experienced.