Credit Card Reviews

Presidents Choice Financial MASTERCARD Consumer Reviews

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(404 reviews)
Presidents Choice Financial MASTERCARD
1.6 out of 5 stars:
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Long waiting

by Cebu on Jun 6, 2022
2 out of 5 stars

I've been trying to get through to them for over 2 hours...
Their app doesn't let you remove authorized users.

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Phone wait times

by Backwardsfish on Jun 2, 2022
3.7 out of 5 stars

Can never get through on the phone. Have tried 3 times and failed 3 times after waiting at least an hour each time...

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Terrible Phone Wait Times

by C. Barry on May 30, 2022
2.5 out of 5 stars

PCMC you really need to hire more people to reduce your phone wait times. No excuse for such lengthy waits. Your customers have lives that need to carry on instead of just hanging around waiting for someone to answer the calls. No option for a callback was given.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:

 

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65

Get this card / Apply online

Business Process / CSR center requires massive overhaul

by Lu on May 24, 2022
2.5 out of 5 stars

-Compromised Transactions were correctly removed from the card
-New Card never arrived
-Called in for a repeat request
-Was sent the same compromised Card number meaning the card was never cancelled
-Used Card was rejected
-spoke to CSR again after 45 min wait;
Told me the card would be expedited but needed to talk to another CSR
- Asked if I needed to wait more time; no would be quick according to CSR
- waited another 45 min and I needed to go out and hung up
Conclusion: Presidents Choice Master Card does not want Business. I am considering another Master Card which offers comparable money savings.
Message: We are currently experiencing long wait times is misleading as I have heard this message for at least 5 years. Be honest with your consumer. Let them know you prefer online instead of a phone. Believe me - We are capable of understanding.

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Customer support

by Helen Ling on May 20, 2022
1 out of 5 stars

Very bad customer support. One time they made me wait longer than 1 hour and never answered the call so you can't dispute any unfair charges. Another time they finally picked up my phone call after one hour and 20 minutes hold on the phone, but they are very slow to answer my one question. It is a very frustrating process. I definitely suggest you never have to use this product.

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Bad service

by Otto on May 19, 2022
1.5 out of 5 stars

They called us about 3 months ago to confirm our address since somehow one statement was returned undeliverable, 6 MONTHS before they phoned us!!? The address was correct. Later we realized the card was expired as of 01/22 but no new card ever showed up. Phoned them to ask what was going on, and they said they would send out new cards for my husband and me, although my husband never had one in the first place!? A month or so later nothing showed up. Phoned again and after 3 HOURS total wait on hold to find out they canceled the card due to inactivity. Nobody told us it was canceled and the only reason it had no activity is because they failed to send a new card in the first place!
So instead I phoned another bank and had a second card ordered in less than 10 minutes.
Never again PC Financial.

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Get this card / Apply online

Don't waist your time, don't get the card.

by Tina on May 13, 2022
1.5 out of 5 stars

Good luck having someone to talk to. I called 2 times. Each time was 1 full hour of waiting to talk to someone. FIRST time hung up after 1-hour wait. The second time got someone they put me on hold again. The call was disconnected. Just don't even bother getting the card. Bad bad customer service.
I would give 0 stars for customer service since there is none.

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Customer Service

by Ladybird on May 12, 2022
3 out of 5 stars

While I am pleased overall with the credit card, it has proved almost impossible to contact Customer Service. While "your call is important to us" is OK for a short while, having to wait for hours and hours with no result is unacceptable, especially when other card providers are able to answer a call in a very short time.

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Don't Lose Card

by Andy C on May 11, 2022
1 out of 5 stars

You'll wait over a month to have it replaced. The online app lost card report didn't go through. I've waited over a month for a replacement card! Phone wait times are unacceptably long. There are better card services out there.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment 

Get this card / Apply online

Ridiculous wait times to get any phone support

by Frustrated cardholder on May 7, 2022
1 out of 5 stars

I have had this card for quite some time but in the last couple of years, the phone support has completely deteriorated! God for us you lose your card and need to speak to someone immediately or if there are suspicious activity on your card. It doesn’t matter what time of the day you call, first thing in the morning or midnight, there are always “extended wait times due to high call volume” who the hell is calling you at 2:00 am???!!! I’d give them -10 stars if that was an option! Worst than calling government agencies

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