Presidents Choice Financial MASTERCARD Consumer Reviews

I had 4 charges of frauds FROM AIRBNB on August 18, 2023:

I phoned PC Financial at and spoke to a lady to report these frauds
and I got the corrections (refunds) of 3 frauds next day but then PC Financial put these 4 charges of frauds back to my account again. I tried to contact PC Financial again to find out the problem but failed to contact them, I were put on hold for 45 minutes and then the connection dropped. I phoned again and got the same respond (holding for 40 minutes and the connection dropped). I will try again to dispute these frauds from AIRBNB and then I will cancel my PC credit card after 25 years using it for its grocery points.

I have had this card for several years. The points system is screwed up, to say the least. Not sure how many times I had to get points added to my account due to their stupid point system. They wanted me to resubmit a lot of information that was already submitted. I said that it was already submitted and the result was automated responses. So I dropped it not worth the effort. Now I see a pending total on my account of 1260 dollars which I don't see a list of pending charges or even 1. I shouldn't have any pending charges on my card. So going to pay the card and grind the card up. Tired of these corporations with the overcharging in interest rates and grocery store prices. Complete lies to the reason they are so high...

I was charged $1400 on PC Mastercard for a service I never used. I disputed the transaction, PC said they would get back to me within 5 business days. I didn't hear anything until I called them a month later and they said no one had looked at the file, but that they would push the matter and someone would get back within 2 business days. I didn't hear back until I called another month later. They said, someone left us a voicemail on a friday afternoon and that we were instructed we had 2 days (over the weekend, while we were off the grid) to respond or the matter would be closed. We found a voicemail that was completely inaudible, which I assume is PC. We were told that they can't reopen to dispute and that the matter is closed. We made a formal complaint and again, we were told someone would get back within 2 days. It's been a month and I haven't heard a peep. After 15 years, we moved on to another provider, as we DO NOT TRUST PC WITH OUR MONEY!

They promised me a credit increase after 6 months if I kept in good standing. I did and was stranded somewhere far from home and asked for an increase for emergencies and they denied me and I always kept my account paid. They are not for customers! I decently don’t recommend this credit card.

This past spring I was tight for money. I was waiting on my tax return but the person who did my taxes messed up and I had to wait an extra 3 weeks to get my refund. I called PC to let them know my situation and I was gonna pay off my card in full. They told me I had to make my minimum payment or they would put a hold on my card, make me pay it off in full then they would decide if I can keep it or not. What kind of policy is that? I told them I wanted to speak to someone, they told me their supervisor would get back to me in 5-7 business days. Also, they have an overdraft on your credit card... and if you don't pay it down before your next expected payment. They will charge you an extra 29 dollars on top of the interest. They don't tell you that. They are crooks. I'm getting rid of my card asap. Their customer service is so poor. Save yourself the headache and avoid it at all costs.

Their customer service quality dropped so much in the past few years that I'm thinking of closing the card at the cost of having a credit check at other banks and spending my time. I've been trying to set up a simple pre-authorized payment for 6 months now. I'm a banker myself so I understand how these things work. Also, the card stops working at the cash register. The additional card that I requested two months ago is not here. Horrible experiences. Noting but frustration.

Although I have been a customer for well over 15 years and have spent thousands of dollars through pc MasterCard, when my points were stolen I was told that it is my responsibility. I am told that it is the customer’s responsibility to know the card would get compromised. As a customer this is a large risk to bear hence I canceled my PC master card and optimum points.
Customer service is not focused on looking out for customers they just follow a checklist. They should be trained better.

The worst customer service I have ever seen! Waiting time is always over one hour. Never get a solution the first time...

I contacted PC Financial to claim hardship. I lost my job due to coved and have not worked for 3 years. I was unable to make my payments. The customer service rep signed me up for a program to lower my payments. That was 1 month ago. I received 6 phone calls today from the same collection agency regarding my PC MC account. My account was sent to collections despite my making the agreed payments.
Worst credit card company I've ever had to deal with.

This card temporarily ruined my life. The fact that I can't get a full transaction history to figure out why/how I'm carrying a balance is insane and seems borderline illegal. This is only listed in the statement, which can't be copied and pasted from to put in a spreadsheet. Certain cards can only see certain transactions, and all the transactions for cancelled cards are removed from the transaction history. Support is either non-existent or completely useless, but very much looking forward to going through the painful process to cancel this card.