Presidents Choice Financial MASTERCARD Consumer Reviews

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.

Trying to get a call in because my replacement card was sent to the wrong address. I fixed this through the automated system but I wanted to ensure that I received my new card before my current one expired. WAITED FOR HOUR AND A HALF no answer on their lost/stolen card line. Had to give up because... you know I have a life to lead.

I've spent a month trying to get someone to get in touch with me unsuccessfully. Avoid this product. They used to be so much better but now their customer service is absolutely terrible. I never used to have an issue with their service but now it takes 2 hours to get through to someone on the phone and then that person doesn't have any authority to actually do anything and your issue will need to be "escalated" and will go on and on forever without being addressed. I've been a customer for 20 years but am jumping to another rewards program because of the poor customer service I have experienced.

Absolutely the worst customer service I have ever experienced. If you call their customer service you will be holding for hours, and I am not exaggerating. When you finally do get through you will be talking to someone in a 3rd world country that you not only can barely understand but are totally inept and have no idea what they are doing. Stay away from this company. You have been warned!

I always pay off my minimum due ON TIME and always get charged more interest than the minimum payment. ??? Does that make any sense? If the minimum due is $25 (for example), I end up getting charged interest of $30. SO BASICALLY MY BALANCE OWED IS NOT DECREASING, IT'S JUST PILING UP EVEN IF I HAD NOT USED MY CARD IN MONTHS. Bunch of greedy frauds. Even when I paid off my entire balance I got charged interest again which put me into balanced owed AGAIN. Wait time for customer service is at least 45 mins. CANCELLING AND NEVER RETURNING.

2 hours 17 min on hold. The supervisor never called me back, the manager never called back. I have been a customer since day one with all my purchases on this card, paid off every month and all I wanted was an address change. They insisted on up-to-date financial info from me and I asked why but all they could offer me was they didn’t have it and if I didn’t give it to them my account would be flagged and put on hold…. at any time. So I said my info is the same and don’t change my address. It was the worst customer care experience... There is no recourse. What if I was retired with a lower income?
I am shocked. What ever happened to customer loyalty.

I signed up for this card after being approached by one of their representatives at No Frills.
When I got the card, it was next to impossible to activate it online, so I called customer service. In all, I was on hold for almost 3 hours spread over as many days before I managed to get someone.
I found their website user-unfriendly. You can't even change your user name without getting someone on the phone, which is very difficult.
After reading these comments, I decided to close the account. Activating a credit card and getting a CSR on the phone should be seamless, but definitely wasn't.
Avoid this card, it's too much trouble.