Presidents Choice Financial MASTERCARD Consumer Reviews

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

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.

I have had a PC Mastercard for 15+ years. When it works, it's great. If anything goes wrong, getting any kind of support from PC Financial will be a nightmare.
A while back, the tap feature on my card stopped working. I ordered a new one. I tried to activate it on the website, but the system wouldn't let me enter the activation code. I called the helpline, which put me on hold and scolded me repeatedly for not solving the problem using their useless website. I waited for maybe an hour and a half.
During this time, I actually walked to a store location and visited the PC Financial kiosk. The guy there told me that PC Financial deliberately made people wait for hours for telephone support, and would not help me anyway.
I hung up and called the next day, and after another hour and a half on hold, I finally reached someone. She told me that she would not do anything to help me, and in a rude and disapproving tone, told me to do it on the website. I told her that the online activation wasn't working. So she told me to call a different telephone support line. I called that one, which sent me into a series of useless online menus, but wouldn't put me through to anybody.

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.

Good luck if you ever need customer service. There is none. They won't pick up!

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.