Presidents Choice Financial MASTERCARD Consumer Reviews

The card is basically useless. Restricts many online purchases. Treats the customer like they are doing you a favor. Customer service is garbage, and wait times are ridiculous.

DO NOT RECOMMEND!

Save yourself the headaches and don’t apply for this card. This is the most inconvenient card to apply for. Customer service is not the best and using the card is difficult (ex. Taps not being accepted or not successfully changing your information).
I initially joined for the promo they had for 10,000 optimum points after signing up and it was terrible from the start. My application took a while and when I received my card they gave me the wrong card. So I had to call them again to get the correct one I was approved for which took a while to come again. So overall the application process took two months!
Then when using the card their mobile application doesn’t post your pending statements on time causing you to pay more than you need to.
Also, when trying to change pin codes it would never work! I tried to change my pin code and my account got locked at the checkout when trying to purchase groceries with my new pin!
Also, when trying to reset my password on the mobile application it never worked and I would have to sign in to the website to do it which is super inconvenient!
Lastly, when tapping in groceries stores it would never get accepted and I would have to insert it all the time! Even for purchases below $100. I searched the grocery store and the tap limit is $100 so was my $70 transaction not accepted?!
Now I’m on hold waiting for a customer representative to see if there are any changes that were made.

FRUSTRATING customer service. If you enjoy spending hours on hold and a website that doesn't work, by all means, get this card.
I haven't used the card because the first time they sent it, it didn't arrive. I sat on hold for an hour to be told "sit tight - it's probably going to arrive in the next day or two!".
Three weeks later, still hadn't arrived. I sat on hold for another hour to be told "we'll send you another card!"
The card finally arrived.
I try to activate it online, fill out everything, get the message "The system is unavailable. Try again in 10-15 minutes".
Tried the chat feature. It's a bot that cannot answer any but the most basic questions.

Very bad customer service they will never solve the problem as they will never take the call always on the waiting list for 3 to 4 hours and then you will give up if you have only one job to call them they may call them from morning to evening or to night maybe then they will pick up:-(

Anyone looking to get double charged on your account using PC Express? Do you know? That nifty feature, allowing you to purchase a product from your home and then go to collect it at a later date? I used it for the first time ever and later found out that not only did they charge my credit card on file, I ALSO had to pay when I got there. Looked at my PC App and saw a charge on there. So basically you'll be paying double and then wait 5 full business days to get your money back. Who honestly comes up with this? So poorly planned. Do they also have anyone working there?? I feel like no one is ever there when I need to talk to someone. I am so going to cancel this credit card. So much trouble for little reward.

We have had PC Mastercards for more than a decade. We have always paid our balance off in full each and every month. We moved in July. I called to change the address on my card and advised the customer service representative that the address on my husband's card would also need to be changed. I was assured that it was. Fast forward 4 months...( during which time) we received no phone calls, no notifications, no emails, no statements sent in the mail; nothing for my husband's card. My card, yes and I continued to pay off the monthly balance in full each and every time. Last week, My husband attempted to use his card only to find out that it had not only been suspended... but sent to collections!!! One would think that a company that has a long time, responsible customers who have ALWAYS paid their bill on time would have, at the very least tried to contact us to find out what the issue was!?! Then, to add insult to injury, while trying to rectify the situation, I was on hold for over 48 mins, spoke to a representative who then put me on hold again (without asking) and now, as I type this, my time wait time is at 1 hour and 53 mins. (and still holding) My advice to anyone out there thinking of getting a PC Mastercard- DON"T! Use another credit card. These people do not deserve to be in business! Nor do they deserve your business. Disgusting!
PS. I tried to give NO stars for customer service but it would not allow me to submit without one star-note-customer service is really ZERO stars!

We opened an account just 3 weeks ago. In that time we have spent more than 6 hours on hold waiting to speak with a customer representative. Now today I was told we would need to call back once again.
Very much - strongly recommend not joining/working with this terrible company.
We are closing our account.

I have been trying to call them for over a week. 1 day I was on hold for 52 mins then transferred and placed on hold again for 40 mins and then hung upon. 🤦🏼‍♀️
I am currently at 45 mins on hold and I really just need to know why it's been over a month to receive my new card.
I am horrified by the customer service. They really need to fix this.

The phone wait times are insane and often result in a transferring of departments, and additional wait times. Sometimes receiving a notice that it's not even available.
When speaking with customer service the quality and knowledge is low, most likely what leads to a transfer.
Zero justification for their actions.
Example: notified them I would be travelling, my card was deactivated while travelling, unable to reach support to resolve the issue. Was told the issue was resolved, continued to be unable to use it.
Took about 4 days to get through to someone who could actually look into the card.
"Risk department" then proceeded to spend 30 mins going over my most recent transactions... none of which I could actually confirm due to not having access to my online account to view these transactions that took place in another country.
Complete waste of time and the service provider was completely incapable of understanding the level of frustration or to explain why the card was deactivated or apologizing for the inconvenience this caused.