Presidents Choice Financial MASTERCARD Consumer Reviews

I've attempted to call PC Financial customer service at least 7 times and I've only been able to speak to a representative once for a short 3 minutes only to be told I need to be transferred to another representative to help me with a block. Each wait time was between 1hour - 3hours. Awful customer service. Avoid at all costs!

The customer service is poor, has to wait more than 1 hour to get an answer, the web site did not update the statement on time, as a result, have to pay interest which should avoid.

I had a card with them for a long time. Multiple times they changed my credit limit without my knowledge. One time, they closed my account without my knowledge and I had to figure out why and fix it.
Then when they introduced their World Elite Mastercard, I wanted to go for that card but they did not let me. I closed my account and applied for the World Elite card directly and got it. But all of this shows the hassle they create for you.
They also do not allow any third party to your account, say if you want to sync your transactions with Mint or with your bank which is another minus.
The only redeeming quality are the PC points at Loblaws group of stores, so only get this if you shop at Loblaws, superstore or the like very often.

I waited 3.5 hours to report fraudulent charges on my account and to request a new card. If that wasn’t bad enough the representative on the other end of the phone was condescending and he wouldn’t answer my question why it takes 10 business days to get a new card. I don’t think it’s right that they send replacement cards using snail mail, needless to say, I’m pissed and not even sure that I will activate the card, it’s harder to get points now and God forbid you to need to call back and speak to someone. Extremely disgusted with this experience and their poor choice of employees, and please do not blame this on Covid.

To say that I am beyond disappointed, appalled and disgusted with PC Financial services is a gross understatement. I've lost an entire day at work on the phone with PC. That's almost 8 hours of holding and waiting for my issue to be resolved.
I've been a PC Financial customer for less than a month and I was in the process of moving to PC Financial. However, within the space of 24 hours, my account has been restricted four times. I've spent an ENTIRE workday on the phone trying to get a hold of someone. Everyone I spoke to was helpful yet not.
THIS IS RIDICULOUS!

PC Financial randomly just shut down my account. No explanation or anything. I had never been late on payments etc. I spent hours on hold and days of emails before a response from the company.

My Nov 25, 2021 statement covered Oct 26 to Nov 25, 2021. It has a balance owing $7,629.64. Nov 25, 2021 statement has payment due date Dec 16, 2021. I made payments $5,512 from Dec 08 to Dec13, 2021. My Nov 25 statement has balance leftover $2,117.64 ($7,629.64 - $5,512). I got charged $224.46 interest on Dec 23, 2021, for Nov 25 statement balance. My annual interest rate on purchase is 20.97%. All my interest is for purchase only. I contacted customer service and talked to Supervisor. Supervisor informed system does all calculations. Not happy with the system calculation. Never taking PC master card again.

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.