Credit Card Reviews

Presidents Choice Financial MASTERCARD Consumer Reviews

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(403 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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Transaction download for Quicken

by David R. on Apr 4, 2022
1 out of 5 stars

When transactions are downloaded for quicken and you attempt to reconcile the account, the outstanding balance (the amount you owe) shows up as a positive figure.
The outstanding balance in quicken is of course a negative number so the account does not reconcile. When I called customer service I was informed that PC Financial Mastercard does not support downloads to Quicken despite the fact that there is a link "Export to Quicken" on their website.
This does not happen with any other financial institution with which I have dealings.

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I don’t recommend!

by joyce.review on Dec 5, 2021
1 out of 5 stars

Save yourself the headaches and don’t apply for this card. This is the most inconvenient card to apply for. Customer service is not the best and using the card is difficult (ex. Taps not being accepted or not successfully changing your information).
I initially joined for the promo they had for 10,000 optimum points after signing up and it was terrible from the start. My application took a while and when I received my card they gave me the wrong card. So I had to call them again to get the correct one I was approved for which took a while to come again. So overall the application process took two months!
Then when using the card their mobile application doesn’t post your pending statements on time causing you to pay more than you need to.
Also, when trying to change pin codes it would never work! I tried to change my pin code and my account got locked at the checkout when trying to purchase groceries with my new pin!
Also, when trying to reset my password on the mobile application it never worked and I would have to sign in to the website to do it which is super inconvenient!
Lastly, when tapping in groceries stores it would never get accepted and I would have to insert it all the time! Even for purchases below $100. I searched the grocery store and the tap limit is $100 so was my $70 transaction not accepted?!
Now I’m on hold waiting for a customer representative to see if there are any changes that were made.

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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

Worst Canadian Bank

by Aj on Jun 11, 2021
1 out of 5 stars

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.

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0 stars if possible

by Arif Khalid on Dec 10, 2020
3 out of 5 stars

This app has got to be the worst app possible. It barely ever lets you sign in to see what's going on with the account. Not only that, but they automatically change your credit limit without telling you. This is by far the worst credit card I've had! I would rate it 0 if u could.

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Predatory interest grabber

by Paolo De Costa on Oct 17, 2020
1 out of 5 stars

Do you know you pay high interest on this card? So I always try to pay it up within 7 days or so... the only reason I use this card when I do grocery and superstore happened to be the nearest. Anyways, I noticed they always close my app even when I punch in the correct password, so this got difficult from time to time to see the balance and pay it out because either they don't want you to pay it out or they keep adding interest as you don't see or can't log in. I am not sure if anyone else has the same issue? But It took me a while to figure this out, before I used to think I forgot the password until I started to track it. Now I know it happened a few times! And those Philippino ladies in customer service is the worst full of lies and misinformation.

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