Presidents Choice Financial MASTERCARD Consumer Reviews

I have had this card with them for over 7 years. I may have been late to pay maybe a hand full of times. My credit limit was $2900. I've been using it and making payments monthly. I made a payment of $2600 towards my card after selling my camper. Went to use my card at the dentist and was declined. Checked my balance and my limit was dropped to $1000. This is their response. "We make every effort to ensure that your President's Choice Financial Mastercard meets your needs. Due to your recent account history, we have decided that a lower credit limit would better suit your requirements at this time. Your credit limit has been lowered, effective immediately." First off, as a loyal paying customer, how is the drop in limit meets my needs... No way in hell it does. AND HOW WOULD A DROP IN CREDIT LIMIT BETTER SUIT MY NEEDS. WHEN I NEEDED THEM THE MOST, I WASN'T ABLE TO PAY FOR MY $1600 DENTAL SURGERY. I had to empty what little savings I had after taking my kid to a sick kid's hospital. DON'T WASTE YOUR TIME ON THIS CARD... THEY ARE A JOKE OF A COMPANY. I will be avoiding every company that offers PC Optimum points. GO...YOURSELVES PC.

I had a limit of $3000. Then all of a sudden $4000 shows up on my card. They can’t figure out why and won’t give me my money back. One employee blamed it on internet charges. $1000 interest charges!?! That’s ridiculous and a blatant lie!!! I will never bank with this awful company again!!!

It is deplorable! Don’t use this service, it is a shameful company. Wait time more than 1 hour, 3 times calling and still can not resolve my issue since no one answer. I wish you all the worst.

TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore. When I tried to refocus the conversation back to the original argument of the dispute he started to tell me that the transaction came out from the other card on the account and when I was telling him that he is wrong, it came out of the other card, he hung up the phone. As per their corporate policy, the call was recorded, and I'm hoping that someone will be able to listen to it. His tone, demeanour, and reasoning left me speechless. I'm now on the phone, attempting to cancel the account, and have been waiting for another 20 minutes to speak with someone. The worst experience I've ever had, and they effectively stole my money. $59.99 for four consecutive months in a row.

The card was compromised and I cancelled it on May 22/2022.
Called right away and froze my account. The card was replaced and mailed out on the 26th. Did it take them 4 days to cancel and replace the card?
It is now June 11th and still nothing. They say it is 8 - 10 business days, but it's been longer than that. They are blaming Canada Post but if they know this, why are they sending it through snail mail.
I called on Monday (6th) and they told me it's too early to cancel the replacement. I called on Friday and they sent me through to the specialist.
Long story short, no card, no customer service, and no manager to explain my experience and she did not seem to understand what I wanted.
Not sure who or where the call center is, but it is a huge waste of time and energy... AND STILL NO CARD OR RESOLUTION.

PC MasterCard obviously does not respect their customers time. The card has decent return if you shop and gas at PC stores and affiliates but who has 1+ hours to wait and speak with a live representative?

One time I was informed by an online representative that I would be contacted in person, approximately 2 days later I received an email stating I would not be getting a callback and to call the generic number.

PC MasterCard customer service doesn't deserve the 1-star minimum rating. I live in a small community with limited grocery options so the PC MasterCard makes sense. If I lived in a larger hub with more options, I would not give them my business.

I've been trying to get through to them for over 2 hours...
Their app doesn't let you remove authorized users.

PCMC you really need to hire more people to reduce your phone wait times. No excuse for such lengthy waits. Your customers have lives that need to carry on instead of just hanging around waiting for someone to answer the calls. No option for a callback was given.

-Compromised Transactions were correctly removed from the card
-New Card never arrived
-Called in for a repeat request
-Was sent the same compromised Card number meaning the card was never cancelled
-Used Card was rejected
-spoke to CSR again after 45 min wait;
Told me the card would be expedited but needed to talk to another CSR
- Asked if I needed to wait more time; no would be quick according to CSR
- waited another 45 min and I needed to go out and hung up
Conclusion: Presidents Choice Master Card does not want Business. I am considering another Master Card which offers comparable money savings.
Message: We are currently experiencing long wait times is misleading as I have heard this message for at least 5 years. Be honest with your consumer. Let them know you prefer online instead of a phone. Believe me - We are capable of understanding.