Presidents Choice Financial MASTERCARD Consumer Reviews

Anytime you call, expect to be on hold for hours!!! With the money that credit card companies make, you'd think they would want you to be well serviced! I see now that they want you to try to do everything online but, I'm sorry, that's unacceptable. They should be there always and within a reasonable amount of time. After reading the other reviews I can see I am not alone!

I had a card with them for a long time. Multiple times they changed my credit limit without my knowledge. One time, they closed my account without my knowledge and I had to figure out why and fix it.
Then when they introduced their World Elite Mastercard, I wanted to go for that card but they did not let me. I closed my account and applied for the World Elite card directly and got it. But all of this shows the hassle they create for you.
They also do not allow any third party to your account, say if you want to sync your transactions with Mint or with your bank which is another minus.
The only redeeming quality are the PC points at Loblaws group of stores, so only get this if you shop at Loblaws, superstore or the like very often.

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.

Waiting time to answer a client is more than 30 minutes… somebody answer and he will transfer you to another line and another 15 minutes.
Why not send me an email on how to resolve the problem rather than saying contact the number on my log-in page.
This is poor customer service...

The points are great and rack up fast and make it hard to cancel this card.
If you need to speak to someone, be prepared to wait. I waited over an hour three times and had to hang up. Responses through the portal can take over a month IF they respond at all and they make so many errors in their response and you end up having to start again. I got through the line only once and the connection was poor, the person didn't understand and put me on hold for over an hour twice. I cannot understand how such a big retail name such as PC would put up with this - it puts their name in a very unflattering light. I guess they are too big to care.

I called them at 7:20 am and I waited at least 45 minutes and finally gave up in desperation!
I then called back at 4:30 pm and it then took 75 MINUTES ON HOLD before a live person finally came on the line. I then had to be transferred to a 2nd person due to a search back to 2020 and that was another 20 minutes on hold before the 2nd person finally answered.
Very unprofessional for PCF to keep their customers on hold for so long.
It seems like management could care less about long waits in the queue, and call abandonment.
Now customer service is open from 7 am to 11 pm whereas it used to be open 24/7.
Customer service has really gone downhill here at PCF. Seems like the bean counters in upper management are more focused on saving money rather than providing quick and efficient customer service.

I have had this credit card for under a year and twice have had to argue points that should have been added to my account. One of the promotions was: spend $60 at shoppers and get 20000 points. I spent $75 and got no points. Sent a note letting them know something is wrong. They told me I only spent $35. When on my PC the credit card clearly says I spent $75. Now it has happened again spend $100 get 25000 points. The response from PC we can't find that promotion. The funny thing is they just sent me the promotion again to my email. The PC insiders are a ripoff. The only thing that might be good is free pick up from my experience. Expect a lot of missing items in your order.

They make it all almost impossible to speak to a CSR. Every time you call they are having higher than usual call volumes. They only want you to use their automated system. If you ask to have a call back they never do. Worst experience ever.

The card has good perks for free low-end cards if you never have any questions. If you need to reach them, no one ever picks up the phone, you can do most of the things on the app or online but if you are stuck, you are screwed. If you get lucky & someone picks up the phone they will give you the dumbest answer possible.

The customer services is bad and they make it hard to dispute a transaction. My calls to customer services often got disconnected and I would have to call back again to wait in line again.