Presidents Choice Financial MASTERCARD Consumer Reviews

Stay away from PC Financial MC. What a criminal organization. Same as a user below, I have good credit, and they lowered the credit limit on the card, and this made me seem maxed out. They are horrible to deal with. The points were not added about 3/4 of the time. Not worth it, and has made me not want to shop at any Loblaws stores.

- Horrible wait times
- customer service hangs up for no reason
- takes forever to get something done
- DELETED 30,000 POINTS FROM MY ACCOUNT & NEVER COMPENSATED ME

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.

Very frustrated dealing with PC Mastercard! Got the card in the summer during a promotion of 100,000 points. Get the card… don’t get the points, advised I applied wrong:( ok. Keep the card then in December get a letter advising my card will be frozen if I don’t provide ID( keep in mind I have been using this card for roughly 6 months. 4 yes 4 hours wasted told to go to PC store to resolve.. guess what not must send on “ possibly “ secure email. Then on vacation and card is frozen! Call they want to again verify Id. Is this card worth the bother???? Caution to all!!!

This company is a complete joke. They advertise to the entire world about their 100,000 points and then when it’s time to claim you go around the entire universe to get your points. They credit a measly 20k points in the beginning and the balance of 80k never comes to the account. An absolute disaster of a customer service where they ignore your issue and end the chat by not resolving anything. I repeatedly asked to talk to the manager and they never transfer the call. Disaster! STILL WAITING TO GET MY 80k points!!! UTTERLY DISAPPOINTED!

I have had this card for several years. The points system is screwed up, to say the least. Not sure how many times I had to get points added to my account due to their stupid point system. They wanted me to resubmit a lot of information that was already submitted. I said that it was already submitted and the result was automated responses. So I dropped it not worth the effort. Now I see a pending total on my account of 1260 dollars which I don't see a list of pending charges or even 1. I shouldn't have any pending charges on my card. So going to pay the card and grind the card up. Tired of these corporations with the overcharging in interest rates and grocery store prices. Complete lies to the reason they are so high...

Seems like a big scam to get your 100,000 points promised I have been waiting since the end of January after they could finally get my card mailed to me. Now they are changing the rules and say I have to have a LOBLAWS purchase on my card and wait 4 to 6 weeks... such a run around that I should just cancel the card but I want those points. And I have missed out on extra point days for shoppers at least 3x now.
SO FRUSTRATING!!!
And when you call to inquire I am on hold for a minimum of 1 hour to find out they have closed the case and have to reopen it... Such nonsense... Doesn't anyone have pride in their jobs and do their jobs right anymore?

Never received the Optimum points we were promised when we signed up.
Tried to transfer Esso points to Optimum. Nothing worked online as it should.
Tried to do it at the local Esso station but they said my Esso extra card was in bad shape and they did not know how to make it work.
The stupid card never works properly at Esso station. (works fine at Petro Canada.)
Complained at Esso station they don't care or just too lazy to look into it.
Emailed Esso and PC Financial. Never received a response for either.
Just not worth it for a few stupid points.
My recommendation
JUST DON'T BOTHER

Broken promises all around. Tried to fix but their wait times are crazy long. They said I had to use a Superstore product for the 100,000 points to kick in. Used their gas station mobil. After 5 phone calls and talking to a rude manager I cancelled the card.

It took me over 3 months, 8 phone calls and 7 emails to get the bonus points they promised. Unacceptable.