Presidents Choice Financial MASTERCARD Consumer Reviews

Very bad customer support. One time they made me wait longer than 1 hour and never answered the call so you can't dispute any unfair charges. Another time they finally picked up my phone call after one hour and 20 minutes hold on the phone, but they are very slow to answer my one question. It is a very frustrating process. I definitely suggest you never have to use this product.

They called us about 3 months ago to confirm our address since somehow one statement was returned undeliverable, 6 MONTHS before they phoned us!!? The address was correct. Later we realized the card was expired as of 01/22 but no new card ever showed up. Phoned them to ask what was going on, and they said they would send out new cards for my husband and me, although my husband never had one in the first place!? A month or so later nothing showed up. Phoned again and after 3 HOURS total wait on hold to find out they canceled the card due to inactivity. Nobody told us it was canceled and the only reason it had no activity is because they failed to send a new card in the first place!
So instead I phoned another bank and had a second card ordered in less than 10 minutes.
Never again PC Financial.

There was fraud activity that happened on my account. On calling PC one of the representatives told me that this happened on their behalf, it wasn't fraud and the amount will be refunded. After a month-long wait, nothing reverted. On the second time call, they said it was a fraud activity by someone and nothing was on their behalf. I requested again to settle down this problem but after another month, they didn't come up with any solution. All the time I had to be there in queue for hours. Now finally they waved off the fraud charges but kept on charging me interest associated with this transaction despite making a complaint several times. Their representatives don't know how to handle the situation.

They're all nice and good at first then suddenly if you're a day late on paying because you're supposed to know it takes them 5 business days to post your payment. This isn't true, my bank said once I made a payment it's made in real-time. They harass me constantly even when I pay on time. The customer service representative just wants to fight with you. I left them and never go back.

Good luck having someone to talk to. I called 2 times. Each time was 1 full hour of waiting to talk to someone. FIRST time hung up after 1-hour wait. The second time got someone they put me on hold again. The call was disconnected. Just don't even bother getting the card. Bad bad customer service.
I would give 0 stars for customer service since there is none.

You'll wait over a month to have it replaced. The online app lost card report didn't go through. I've waited over a month for a replacement card! Phone wait times are unacceptably long. There are better card services out there.

I have had this card for quite some time but in the last couple of years, the phone support has completely deteriorated! God for us you lose your card and need to speak to someone immediately or if there are suspicious activity on your card. It doesn’t matter what time of the day you call, first thing in the morning or midnight, there are always “extended wait times due to high call volume” who the hell is calling you at 2:00 am???!!! I’d give them -10 stars if that was an option! Worst than calling government agencies

Wait times are unreasonably long, in excess of an hour. This is unacceptable given the many options for comparable credit cards. Do better.