Presidents Choice Financial MASTERCARD Consumer Reviews

They promise if you apply for a PC MasterCard you’ll receive 250,000 optimum points. Received my first 50,000 then waited on the phone for 2 hours two more times wondering where the rest of the points are. They inform me there is no such promotion and 6 months later I’m still here without my points.
Please read the reviews before you apply for this card it’s the worst customer service. So I just paid off the remaining balance and I will be making the 2-hour call to them to cancel my card it’s not worth the headache or aggravation that comes with dealing with this company.
RUN! There are better companies out there.

Worst customer service ever... A lot of technical issues and so long wait time. If you have so many customer problems then hire more people.

Worst customer service and worst bank ever!!! Calling 3 times to talk with someone waiting in total more than 8 hours and no help at all!

I'm just trying to cancel my deceased father's credit card and have spent a total of 7.5 hours on hold over the past 2 weeks to try to get a hold of a customer service representative. Absolutely insane and would never recommend it to anyone!

Had a fraudulent charge on the card, the card was not stolen.
Waited on the phone for over 3 hours before the issue was resolved.
Funny that when the new card came in, to get it operating only took 4 minutes.
This is unacceptable.

They made an error on my account (according to them) and I have been waiting for an hour and 30 minutes counting to talk to them so they can fix an error on their end. This error has caused me to be locked out of my online account so this is my only option.

I waited 3.5 hours to report fraudulent charges on my account and to request a new card. If that wasn’t bad enough the representative on the other end of the phone was condescending and he wouldn’t answer my question why it takes 10 business days to get a new card. I don’t think it’s right that they send replacement cards using snail mail, needless to say, I’m pissed and not even sure that I will activate the card, it’s harder to get points now and God forbid you to need to call back and speak to someone. Extremely disgusted with this experience and their poor choice of employees, and please do not blame this on Covid.

To say that I am beyond disappointed, appalled and disgusted with PC Financial services is a gross understatement. I've lost an entire day at work on the phone with PC. That's almost 8 hours of holding and waiting for my issue to be resolved.
I've been a PC Financial customer for less than a month and I was in the process of moving to PC Financial. However, within the space of 24 hours, my account has been restricted four times. I've spent an ENTIRE workday on the phone trying to get a hold of someone. Everyone I spoke to was helpful yet not.
THIS IS RIDICULOUS!

Soon as this card expires I'm done!
You can't even talk to an alive person anyone...
So I set up a chat - no response.

Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it cancelled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2-hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer, I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never-activated card and see no use for this product.