Presidents Choice Financial MASTERCARD Consumer Reviews

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.

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.

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.

The most frustrating customer service I have ever had to deal with. I have probably spent 8 hours in total trying to get a hold of somebody, and a majority of the time I'm just hung up on while being transferred. I've been told on numerous occasions that I would receive a call within 24 to 48 hours from my supervisor, and 5 days later I got a call that I happen to miss. So I called back in minutes after and said "I just missed a call from management, can you please transfer me"? I was told I would get a call back within three to five business days.
On top of this I have provided two different instances of fraud on my card, they have decided to ignore it because I had given the merchant my credit card number for a transaction previously.
I would advise anyone else who is thinking of getting a PC Financial Mastercard to go with somebody else, this is by far the most frustrating credit card interaction I've ever had.
I am cancelling my card as soon as I use my PC grocery points.
The representative was not helpful at all. I asked him to explain what he just read off the paper because it was unclear what he was referring to and he just re-read the same line numerous times as pretty rude about it. It seemed as if he was only able to read a script. While I tried to explain a few things going on with the case he kept interrupting me, and I don't mean once or twice, the majority of the conversation was him trying to talk over me.
Hopefully, they recorded the call for "quality assurance"

Don’t Ever be a human being and make a mistake by paying your PC CREDIT CARD 2 times and have a credit. If you try to get your money back they will charge you. Even if you ask for a cheque. $20.00 and 30 days waiting. But got forbid you are 1 minute late with your payment, the interest is slammed through. I’ve decided to invoice them to get my money back and charge 22% interest until they pay and $250.00 for any time to resolve their inadequacies. If more people do this they may get the message.

I spotted two unauthorized transactions from a healthcare provider in the US who I never heard of as I live in Canada. Both transactions have been disputed and I ordered a new card. The PC agent who I spoke to first said that both transactions will be combined into one claim. Therefore, I filled out the only submitted document to support my claim and emailed this document on the same day showing both transactions to support the claim. A few weeks later I received a letter stating that one transaction claim has been denied. I called PC and the new agent explained to me that there is an error message on my claim and that it's not possible to have two unauthorized transactions combined into one claim. She also told me things that the other agent missed filing so my entire claim has been closed. She also said that there is no way for her to re-open that claim. This is unacceptable customer service which makes me push more business to my other credit card companies. My PC Mastercard account I closed at the end of my last conversation with them.

Unprofessionally management. My experience was with a balance transfer. Where they manipulated info and changed my interest rate from 1 percent to 23 percent without warning. The first month is okay but the second one skyrocketing. Shame for such a company.

My account was locked without warning or explanation. I called multiple times to try to resolve the issue and was met with 3+ hour waiting times and one automatic message stating that they weren’t taking calls at the time (I hadn’t gotten through once). My account was unlocked over a year later without my knowledge. I was only notified when I got an email that my credit limit had been lowered with a threat that my delinquency would be reported to the credit bureau due to my credit card bill being overdue (one subscription that usually charges to my other card had charged to this one since being unlocked). This is the only time in my life I have ever missed a credit card payment.

After so many years as a loyal customer, it is disappointing to know that when times are rough this company is not loyal to their customer. Paying the full balance is all fine and dandy until you come into hardship. I have been hung up on and transferred to departments that have no idea why I am calling. You lose your PC points at their discretion. Very very disappointed and will not recommend this card to anyone.