Presidents Choice Financial MASTERCARD Consumer Reviews

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.

I have had this card for almost 15 years and I have seen the customer service plummet. They no longer care about the customer and have wait times of up to 2 hours to be able to speak to an agent. They give the option of doing things online with their self serve options however those are limited and you end up having to call and waste a full day on hold just to be transferred multiple times to resolve the issue (in this case removing the PC insiders product from the card - which also, by the way, is a joke and not worth the $120 annual fee).
If there was an option to rate 0 trust me I would have. Rest assured I'll be paying off my balance and cancelling!
Worst experience and card!

Absolutely horrible on every level. They keep blinking my card even though I’m paying my statement in full! Clearly, if you’ve received my payments over and over and know my shopping habits, then you shouldn’t be blocking my card. If I’m entering my pin, it’s me!!! If you’re scared of fraud then don’t run a credit card company. Or if I haven’t paid my bills in full!

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.