Presidents Choice Financial MASTERCARD Consumer Reviews

This company is overall not bad. However, I have been with them for a good amount of years, five or 6 years. I've never been late on a payment. Never missed a payment, and all that time until a month and a half ago due to health reasons. These guys from first thing in the morning right until bedtime, 7 days a week. 15 calls every single day since then. Why the hell do you have to call that many times to somebody for under $100? That is ridiculous. There is no need to call somebody 15 times from morning tonight 7 days a week for the last month and a half, there is no need for it. Feeling my voicemail up so that if I get any important missed calls from anybody, they can't leave a message because they're all filled with these stupid calls. You guys just need to calm down. I can understand. Call them one or two times a day, not 15 times every day. That's excessive and ridiculous, and that's why I'm giving it a two-star review.

I applied online and got an instant email with congratulations and card will follow in 7–10 days. I continued to get emails to activate for extra savings at gas pumps and shoppers drug Mart. Three weeks later, I called and was on hold for 20 minutes. I was told that the card was canceled due to my credit. The representative said I could reapply in six months . I was pissed as I pay my bills on time. I called them again, next day and was told it was the cancelled due to the process???? I asked for an email explaining what I was told. The gentleman said they don’t do that. He was in the Philippines. I never got one email, phone call explaining this so-called process. What a disservice and fabricated process. Shame on President's Choice!!!

I have a PC financial Mastercard which I hardly use to make a purchase. I used it once at Costco due to no other options and forgot to pay. PC customer service never sent a reminder via emails or phone calls that your payment is due and sent directly to collections. I have been using other credit cards and never experienced such bad services. I am done and cancelling master card.

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!

This experience from beginning to end has been such a nightmare. So frustrating every time we had to deal with customer service.
Hours on the phone, dropped calls.

Used to be very easy and reliable master card to use. Customer service is horrible, wait on call for more than an hour and then your issue is not being resolved. Canceled my card!

I had 4 charges of frauds FROM AIRBNB on August 18, 2023:

I phoned PC Financial at and spoke to a lady to report these frauds
and I got the corrections (refunds) of 3 frauds next day but then PC Financial put these 4 charges of frauds back to my account again. I tried to contact PC Financial again to find out the problem but failed to contact them, I were put on hold for 45 minutes and then the connection dropped. I phoned again and got the same respond (holding for 40 minutes and the connection dropped). I will try again to dispute these frauds from AIRBNB and then I will cancel my PC credit card after 25 years using it for its grocery points.

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!

Pull out your PC account!!! Not worth It!
PC Financial has the worst customer service! Promising clients and keeping them hanging for almost a month. Always telling someone will call back and up to now no one calls!
Non-sense supervisor in online or phone calls. I do suggest getting rid of your supervisor if they can't even help clients!

They make it all almost impossible to speak to a CSR. Every time you call they are having higher than usual call volumes. They only want you to use their automated system. If you ask to have a call back they never do. Worst experience ever.