Presidents Choice Financial MASTERCARD Consumer Reviews

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.

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.