Presidents Choice Financial MASTERCARD Consumer Reviews

This is one of the worst experiences I got, That is why I want to share it, so people can be careful with their choices.
I noticed some unauthorized transaction on my account so I decided to contact the customer service, to find the solution for that, and after a long waiting time with the annoying music, someone answered my call and I explained everything to him and they tried to transfer me to another department but unfortunately lost the line, and I noticed that I have to call again and go through the same process, anyway I did that and the story repeats itself three times every time they transfer me a loser line and do another call and that story went for more than 4 hours.
Finally, someone transferred me and I spoke to another person which was the rudest person ever I've ever dealt with and they told me that this is not a fraud and they can do nothing about it and when I decided to speak to the supervisor after a long waiting of time they got back to me and they said he's busy and he will call you back.
A week later pass and no one contacts me... No email, no phone call, and nothing, so I decided to call to cancel every service I have with Presidents Choice Financial MASTERCARD, and I don't recommend that company to anyone.

I went over my limit and my card got suspended, so I paid everything off. I tried to close my account and they wouldn't let me because I still have optimum points. Now I call during COVID to ask why my card isn't working, and they tell me it is suspended without being able to give a reason why. Manager on the phone was really sketchy and their overall business is unprofessional

I have had my PC financial card for almost 3 years, NEVER missed a payment, perfect credit history, $2500 limit from the start.
PC called to offer me the PC insiders Elite card with annual fee of $120. I agreed to it
They did not ask to do a credit inquiry but the next thing i know i get a call telling me i was over the limit (due to their annual fee) and that they have suspended my card??
When i inquired as to why, they said there was something on my credit file that disqualifies me from the upgraded card and upon having a discussion with them they informed me that i would now need to pay the card out in full and they would have to prequalify me for a new card.
(I had a situation with telus that i was dealing with, unaware that they put me in collection)
* This had nothing to do with PC financial
* I wasn't asked to do a credit check for the upgraded card
* I have never missed a payment on my PC card
* I was put over the limit with their annual fee
This company is very sneaky and do a lot of things under the radar, i would NEVER recommend them.

Worst card ever for everything! I have good credit and I had the card for 6 years with not a single missed or late payment, and I couldn’t get a limit increase from my $500 starting limit.
Customer service is awful too.

Although this company has an agreement with Shoppers Drug Mart and people are generally happy since they are getting points, any time there is a fraudelence in your account, the support is bare minimum.
I had a fraudulent charge on my account from a photo shop in NY where I haven't been since more than 15 years. When I complained to PC, they first refunded that amount, but then called me back when I was away for 3 weeks on vacation and then added that amount. Since then, this issue was not resolved. If I had these issues with another credit card company, like major banks, they would have been resolved long time ago. Finally, I took my complaint to the Ombudsman and waiting to hear a favorable solution.
I DO NOT RECOMMEND THIS CREDIT CARD TO ANYONE. ALL OTHER VISA CARDS OFFER POINTS OR REBATES. DON'T LEARN THE HARD WAY LIKE I DID!

They lowered my credit limit twice in the last 3 months yet I never missed a payment.
Their customer service is disgusting.
Do not bother with this card or any PC products for that matter.

More a headache the longer I have it. Every time I get an non native English speaker they tell me the charge is not fraudulent and send me to the dispute department. I did NOT make the charge! That is Fraud. After 8 phones calls I finally got an native English speaker in Disputes who fixed my problem, re issued me a new card and sent it back to fraud all done for them! and I got my $$ refunded

I have a dispute issue and same thing with non native speakers, they can NOT communicate, do not listen to what you say and do not do what they say. They claim my dispute is being cancelled due to inability to contact the seller, which is my problem. And told me they cant help me, do it yourself. Its obviously some kind of scam, as the minute I applied for a refund the agent when awol as well as my Credit Card company, whom is supposed to help me!

Terrible service!

I’m sorry I don’t appreciate being put on hold for 25 minutes and then getting locked out of my account I would 100% not recommend this card

I canceled my account on 2018 with full balance has been paid. After years I realized they left $1 on my account and ruin my 4 years of credit history.

I was offered a vacation package that I saw in Mexico. I was stupid to believe all their lies. I realize this people are not honest, right away I call presidents choise to diapute the transaction. They told me because it was pending they cannot dispute it. So I waited. It was February when I signed a dispute form. But it seems like they are not doing any inventigation. I called many times and waitied for long call wait time. They said it takes 90 days to close this dispute. But it took till October. It took them 9 months and just to tell me I lost my dispute at the end. I will close all my accounts with this company. Their customer service is worst. They dont care about you, they didnt support my dispute even if I dont use any service of the merchant! And it took 9 long months for them to decide! Worst experience with this company. I will not deal with this people again!