Presidents Choice Financial MASTERCARD Consumer Reviews

I called them at 7:20 am and I waited at least 45 minutes and finally gave up in desperation!
I then called back at 4:30 pm and it then took 75 MINUTES ON HOLD before a live person finally came on the line. I then had to be transferred to a 2nd person due to a search back to 2020 and that was another 20 minutes on hold before the 2nd person finally answered.
Very unprofessional for PCF to keep their customers on hold for so long.
It seems like management could care less about long waits in the queue, and call abandonment.
Now customer service is open from 7 am to 11 pm whereas it used to be open 24/7.
Customer service has really gone downhill here at PCF. Seems like the bean counters in upper management are more focused on saving money rather than providing quick and efficient customer service.

Try phoning, emailing (contacting) PC Choice Mastercard. Absolutely rotten. Transferred from one menu option to another and another and another. Finally long long wait time. Totally useless. Get another card.

Called me to ask about the authenticity of the purchase, was legit. Lock my account. I have called more than 4 times been on hold for over 2 hours each time for customer service just to transfer me to another department with another 2-hour wait time. I just need them to unlock my card which has zero balance. All bills linked to my account now all other companies emailing, calling me. PC you are the most brutal company to get a hold of. I called other company's customer service departments and got through in 10 mins each!!! I get my 2.3Million points back and go with another credit card company that knows what good customer service is. PC you are terrible. Would give -5 out of 5 if I could. Shame on you.

Tried to make a large purchase and it was declined, I had enough credit. I called customer service and the call had to be escalated 3 times (this took about 45mins of waiting). I was eventually told that because it was a large purchase it was being flagged and so I can use the card for smaller purchases and try the large purchase and it may or may not go through because it’s being flagged as suspicious and there was nothing the supervisor could do for me. This makes 0 sense, I have the credit, why can’t I make a large purchase if I’m consenting? Cancelled the card immediately.

I write this while still on hold for 1:30 and counting. There is plenty of room on the card but my transactions stopped going through. I tried the support messaging system with no response. Then called the support line > waited 40 minutes > was told by an agent I needed to be redirected to security because they put a hold on the card. He said it would be 5 minutes > now 40 minutes later I haven't heard from anyone and seem to be in the original queue. The card made sense for us a bit during the pandemic, but it's not worth the headache and definitely a better option to go for a travel card now.

I waited two hours to get through to a customer service rep only to be switched to 6 different reps and still have no resolve to 2 issues. 2 weeks prior I called because I have all these different charges on my card from SPN SHOPATRON rep told me its a scam and cancelled my card. I called to find out what was going on with this issue to be told it's not fraud it's a dispute so I asked why my card was cancelled if it isn't fraud the answer I got from a so-called manager I don't know I'll have to look into it. I also inquired about a payment I made that was not credited to my account, I was told to call back the next day if it was still not credited and they would start an investigation. I called back the next day to be told they don't do the investigation it has to be done by my bank after spending another hour on the phone waiting to get through. I will be paying this card off in full and cancelling it. Worst customer service I have ever experienced.

I was a PC Financial customer for over 20 years. Was very happy with their app, access to customer service and of course saving those banking fees.
Sadly they sold the business to CIBC. I stayed for the savings but their app and customer service were pretty horrible.
When they re-entered the business, I decided to try their PC MasterCard as they were giving a 50.00 bonus. I have spent countless hours on their app resetting passwords.
I have been locked out of my account for three days and I have spent 3 hours on hold over the last few days. As soon as I use up the last PC points I will cut up this card and PC Financial can go back into the trash pile. Stay away from this bank for your peace of mind.

You must consistently have to call customer services to resolve issues that come-up from their end. Then you're stuck in a calling system that takes ages to route you to an agent. When you finally get the option, you are then put on hold for over 45 min.

Stay away!

Basically, you have 30 days to figure out that a charge on your card is not valid. And customer service will make you wait on a line, but be completely unhelpful. You must supply cancellation confirmation from subscribed software if this is a software subscription. They are not interested in flagging software companies that are ripping off people with subscriptions. I am in dispute with a software company. The cancellation did not produce anything more than a screen print that I judiciously took, but it is not enough to contest the charges. I am livid. Do not purchase the software. You will not get the software and you will not get refunds and after you cancel you will still get charged. Normally the credit card company has your back, but PC Financial does not. It is only good for groceries.