Presidents Choice Financial MASTERCARD Consumer Reviews

I have been trying to call them for so long. The last 2 times I called them, I waited for 1 hour and no response and now I have been waiting for 1 hour 25 minutes and still no response. They can't be that busy to pick up the calls. I just want to get rid off their card now.

I applied for a credit card 3 months ago. I was approved and had it sent to me. I moved the day the credit cards were delivered and when I went to activate the cards I was forthcoming about this information (I waited 2 hours on the phone before I was able to speak to anyone) as I wanted another card sent to the new address for my partner to use. I was told that they could not activate the card now as I recently moved and needed to reapply with my new address. Alright fine. I reapplied within the same day after getting off the phone. I was told I needed to provide the new lease agreement so I did. I waited a month with no answer. I called back and waited on the phone (waited 3 hours this time) to be told that the information isn't correct - it was missing a signature on the lease. Nobody had called to tell me this, but alright fine. I hung up and resubmitted it within ten minutes. Two more weeks went by so I called back again and waited another 2 hours on the phone to be told that the information had not been processed and that there was no need for me to call them to follow up as they will call me when the information is processed. I doubted that, but okay. I waited another 2 weeks before calling back (another 2 hours on the phone). The man on the phone told me that they had received the documents and he put me on hold to make sure that the information was correct. He confirmed that there were signatures and that everything was correct. He told me he would put a rush order on the card as it had now been 2 months since I applied. I was told someone would call me. Three weeks later I received a call from the very same man. He was now telling me that the documents he had confirmed 3 weeks prior did not exist and that they were still waiting for me to resubmit them from 2 months ago. He said, "If you're having trouble sending the documents we can try a different form of address verification". I cancelled the application then and there. I don't understand how a company that handles money can be so unorganized. Not to mention the wait times... 2-4 hours on the phone before speaking to someone is unacceptable. Going weeks/months without receiving a call back is unacceptable. I understand it's a pandemic, but at what point do covid wait times just become an excuse for terrible customer service management? Not to mention the call representatives clearly have no idea what's going on. I received contradicting information/advice every time I talked to someone. And then to turn around and blame me for not providing the information? Man... Get it together.

Good luck if you ever need customer service. There is none. They won't pick up!

The wait times to speak to someone have become ridiculous with PC Financial MasterCard. A 45-minute wait to speak to someone is not very professional. I'm very disappointed that, despite many requests to improve this, nothing changes and our concerns fall on deaf ears. After many years of being a valued customer, this will be the end of our relationship.

I am already 1 hour and 5 minutes on hold to report a lost card. This is absolutely unacceptable.

Customer service has a long wait time!
I have been waiting for more than 30 minutes to speak with the customer service representative!
If they can not support find an alternative way.

Impossible to get phone support. The activating card appears to require you to "set" i.e. change password then gives you a warning about problems you may experience with the password. The feedback tab doesn't appear to work with Edge.

I have had this card for almost 15 years and I have seen the customer service plummet. They no longer care about the customer and have wait times of up to 2 hours to be able to speak to an agent. They give the option of doing things online with their self serve options however those are limited and you end up having to call and waste a full day on hold just to be transferred multiple times to resolve the issue (in this case removing the PC insiders product from the card - which also, by the way, is a joke and not worth the $120 annual fee).
If there was an option to rate 0 trust me I would have. Rest assured I'll be paying off my balance and cancelling!
Worst experience and card!

The card is basically useless. Restricts many online purchases. Treats the customer like they are doing you a favor. Customer service is garbage, and wait times are ridiculous.

DO NOT RECOMMEND!

FRUSTRATING customer service. If you enjoy spending hours on hold and a website that doesn't work, by all means, get this card.
I haven't used the card because the first time they sent it, it didn't arrive. I sat on hold for an hour to be told "sit tight - it's probably going to arrive in the next day or two!".
Three weeks later, still hadn't arrived. I sat on hold for another hour to be told "we'll send you another card!"
The card finally arrived.
I try to activate it online, fill out everything, get the message "The system is unavailable. Try again in 10-15 minutes".
Tried the chat feature. It's a bot that cannot answer any but the most basic questions.