Presidents Choice Financial MASTERCARD Consumer Reviews

Absolutely the worst customer service I have ever experienced. If you call their customer service you will be holding for hours, and I am not exaggerating. When you finally do get through you will be talking to someone in a 3rd world country that you not only can barely understand but are totally inept and have no idea what they are doing. Stay away from this company. You have been warned!

The points are great and rack up fast and make it hard to cancel this card.
If you need to speak to someone, be prepared to wait. I waited over an hour three times and had to hang up. Responses through the portal can take over a month IF they respond at all and they make so many errors in their response and you end up having to start again. I got through the line only once and the connection was poor, the person didn't understand and put me on hold for over an hour twice. I cannot understand how such a big retail name such as PC would put up with this - it puts their name in a very unflattering light. I guess they are too big to care.

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.

This is the worst credit card! Prepare yourself to wait on hold for hours and hours working with the slowest most incompetent people.

I went through 4 customer service representatives to resolve the same account issue, and I still couldn’t get it resolved. The last time I called, I asked to speak to a supervisor, but the representative insisted on resolving the issue herself and again failed me. This PC Financial MasterCard is not worth the hassle of their customer service representatives. I strongly do not recommend this product!

I had questions about points and received 5 different answers. Customer service did not attempt to provide any solution to my problem. After I asked several times if there was anyone else that may be able to help me they said that a supervisor would call at a predetermined time. I did not receive a call. The overall experience has been very unprofessional and disorganized. Would not recommend it to anyone.

The card has good perks for free low-end cards if you never have any questions. If you need to reach them, no one ever picks up the phone, you can do most of the things on the app or online but if you are stuck, you are screwed. If you get lucky & someone picks up the phone they will give you the dumbest answer possible.

I've been a customer for 20 years. Time elapsed (> 1 year) due to likely inaction by PC Financial and they first said the time to fight was expired. Then they said it was because I already agreed to a refund by the vendor. Before that, they said I could take a refund but still dispute the remaining $1000 or so.
Rare callbacks, try to bribe me with PC points worth only about $100 when the dispute is about $1000? I have been keeping small monthly balances on my account and they still treat me like I were owing them huge amounts of money. I have no arrears with them whatsoever. They also appear to have many call centers across the world there to simply answer phones and give false information/false hope/lies.

They admitted to contradictory information on the phone even with managers.

This company is a complete joke. They advertise to the entire world about their 100,000 points and then when it’s time to claim you go around the entire universe to get your points. They credit a measly 20k points in the beginning and the balance of 80k never comes to the account. An absolute disaster of a customer service where they ignore your issue and end the chat by not resolving anything. I repeatedly asked to talk to the manager and they never transfer the call. Disaster! STILL WAITING TO GET MY 80k points!!! UTTERLY DISAPPOINTED!

Do you know you pay high interest on this card? So I always try to pay it up within 7 days or so... the only reason I use this card when I do grocery and superstore happened to be the nearest. Anyways, I noticed they always close my app even when I punch in the correct password, so this got difficult from time to time to see the balance and pay it out because either they don't want you to pay it out or they keep adding interest as you don't see or can't log in. I am not sure if anyone else has the same issue? But It took me a while to figure this out, before I used to think I forgot the password until I started to track it. Now I know it happened a few times! And those Philippino ladies in customer service is the worst full of lies and misinformation.