Presidents Choice Financial MASTERCARD Consumer Reviews

Soon as this card expires I'm done!
You can't even talk to an alive person anyone...
So I set up a chat - no response.

Twice now I have had to call and inquire why I am being charged interest on credit card statements when the bill is paid on time (full balance). It actually happened on 3 statements. I didn't catch the first one (it was $6) but the second one was for $101, so I began to carefully check bank statements. Then recently, so 6 months after the first one I caught, it happened again. They reverse them but a ridiculous process to speak to someone and ZERO explanation as to how this happened!!! They don't even question you they just say they will reverse it. Suspect, to say the least. I used to love this card but I think this time I will be cancelling it for good, after 20 years.

Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it cancelled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2-hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer, I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never-activated card and see no use for this product.

You will literally wait on hold for Hours to talk to someone.
I've tried to resolve some issues over the past couple of weeks. 48 minutes the first call was on hold.
An hour and 20 minutes the second time
And the third time was an hour and 40+ minutes
Just terrible.
Stear clear if these guys.

Waited 1.5 hours for the support online only to be told to transfer to PC Optimum. PC Optimum support then sent me back to PC Financial for another 1.5 hours wait for the call. Then the support cannot understand English properly and told me she had a problem with her system!
This is horrendous and absolutely unacceptable!

The wait times to speak to someone have become ridiculous with PC Financial MasterCard. A 45-minute wait to speak to someone is not very professional. I'm very disappointed that, despite many requests to improve this, nothing changes and our concerns fall on deaf ears. After many years of being a valued customer, this will be the end of our relationship.

I am already 1 hour and 5 minutes on hold to report a lost card. This is absolutely unacceptable.

Customer service has a long wait time!
I have been waiting for more than 30 minutes to speak with the customer service representative!
If they can not support find an alternative way.

Impossible to get phone support. The activating card appears to require you to "set" i.e. change password then gives you a warning about problems you may experience with the password. The feedback tab doesn't appear to work with Edge.

About two or three years ago missed two payments in a year. They increased interest which was fine. The problem is they do not reduce it even though things are back to normal. Just noticed the credit limit was decreased. Still use it occasionally. Was planning on getting rid of this card anyway. Will do just that. Just the oddest credit card experience.