Presidents Choice Financial MASTERCARD Consumer Reviews

I cannot believe how dumb and unhelpful customer service is at PC MasterCard! I applied for a credit card in August and got approved in November and when I called to activate my card they told me to go into their kiosk in the superstore in person to show them proof of id and verify who I am. I did exactly what was asked, I also did all the verification steps when I applied online and sent documents and proof of id. I had to wait again for months and would call and wait 3 hours on hold to speak to a representative at least once a week to activate my card and they kept making me send documents every time and claim they either didn’t get it or they needed more. I have never in my life have had such a difficult experience in activating a simple credit card that was already approved. I ended up closing the account altogether and went to another bank and applied for a credit card and got it in the mail in a week, with no problems whatsoever… My advice is to never apply for a credit card through Pc MasterCard! Customer service is horrific and won’t help or solve problems...

Tried to reach customer service and it took me 5 days!?! The first day I waited 2 hours and gave up. Second 2.5 hours and gave up…
One day I was in the independent store and PC representative wanted to help me and he called from PC phone, I waited 1 hour thinking he can do better but still nothing. I did finally reached them and decided to close my account!
It’s just not worth my time in the future!!!

They don’t answer the phone, they charged me fees without letting me know and can’t talk to customer service until you have 2-3 hours of free time.
I had to go thru different departments to resolve the issue. I finally hung up after spending so much time on hold.
One of the worst and unprofessional services is provided by PC Mastercard.

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

Anytime you call, expect to be on hold for hours!!! With the money that credit card companies make, you'd think they would want you to be well serviced! I see now that they want you to try to do everything online but, I'm sorry, that's unacceptable. They should be there always and within a reasonable amount of time. After reading the other reviews I can see I am not alone!

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.

I have never missed a payment, and have always paid more than the minimum payment. Twice now, they have lowered my credit amount, with no input for me. The last time was just after I paid off the card. Lousy customer service, no care or concern for making customers happy. I can never connect with anyone on the phone. In general, just a lousy company...

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.