Presidents Choice Financial MASTERCARD Consumer Reviews

Everything you read on here and elsewhere about PC Financial is true. From routinely messing with your credit behind your back to the incredibly long wait times to speak with an indifferent CSR this is their SOP.

Expect a speedy response to be a 30 min hold. Anticipate an average wait time of at least an hour. 2-3 hours is not at all unheard of. I suggest if you are thinking of becoming a member you should give them a call and see for yourself how long you're willing to wait on hold.

It's been often called out on the internet as a "third rate bank" and "not worth the grocery points". Govern yourself and your credit score accordingly

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.

I was supposed to get welcome bonus points in Sep of 2020, of 100,000 welcome points. I had to call customer service which takes approximately 45min to get some to talk to. So after 8 months, I was rewarded only half of it on April 30 of 2021!
So I called on May 4 2021 to see where is the rest of the points. So the representative says I have to wait for 4-8 weeks to get my points.
Worse customer service and worse credit card!
Won’t be using them from now on!
Stay away from P.C. Master Card!

We have been paying our credit card on time every month maybe not in full but never missed a payment. My husband's score was 830. Then when they dropped his limit it went to 680 but all the other cards are great standing. Once paid off - by-by, PC!

If you don't pay more than the minimum payment even with never missing a payment they reduce your limit when you do make a large payment hurting your score by reducing credit utilization, can't wait until this card is gone, hope they go bankrupt!

In December they increase my limit used card for shopping also had some extra expenses unexpected. Payments were made then I made a bigger payment and they decreased my limit never said any thing just decreased. Called to ask why they refuse to offer one.
My credit score is now at an all time low because of utilization.

I have now called 7 times over a 10 day period and have not yet been able to reach a customer service supervisor or have one call me back. PC MC sent a letter that reduced my credit limit with no explanation and no evident recourse. I use the credit card extensively every month and pay it off each month. I called to get an explanation and increase or return the credit limit to the previous level. Every time I call I am advised that I must speak to a supervisor but none is ever available and no one has ever called me back and more than a week has passed. Really poor customer service.

I got this card when I really needed the points. I have experienced many of the negative comments posted here. Transactions take 1 to 4 working days not including weekends to be posted and optimum points takes another day or 3 after the actual transaction is posted. Now that I don’t really need the points any more I may just cancel this 3rd rate card.

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.

This company is not at all recommended keep pulling your credit report every month for no reason reducing your credit limit without notice (P.S i have an excellent credit 800+)