Presidents Choice Financial MASTERCARD Consumer Reviews

I had this PC Financial MC which is the worst MC in Canada with very poor customer service. They gave me a credit limit of $12000 then a couple of months after they reduced it to $7500😡 I never heard about any credit card companies reduce their customer’s limit unless the customer requests the reduction😡 When I contacted them about it they talked about their fine prints in the website😡 So I paid my card in full and requested them to cancel my card. Now they still keep my account open and I think I might need to seek legal advice to deal with them😡

I had to check every week to ensure I was getting all my points and every second week there were points missing. So, then you have to put in a points inquiry and then they send you an email asking for all the details when all the details are really on their website... That's how you know you are missing points... Anyway, after going back and forth they eventually give you the points, but I had to go through this every two weeks. So, after ten years of using this card, I quit and starting using another card that actually gave me more points.

I cancelled my President's Choice Mastercard because they took the credit balance on my card as an inactivity charge. On my last statement, I paid more than the balance and they withheld it as a charge. The agent made no attempt to resolve the problem by waiving these charges.

So pay attention to the President's Choice. I would never do business with this company again or buy their products. There is a lot of choices elsewhere.

J’ai annulé ma carte de crédit Master Card choix du président, car ils ont prélevé le solde au crédit de ma carte comme frais d’inactivité. Lors de mon dernier relevé, j’ai payé un montant supérieur au solde et ils l’ont retenu comme frais. La préposé n’a nullement tenté de régler le problème en annulant ces frais.

Faites donc attention au Choix du président. Je ne ferais plus jamais d' affaires avec cette compagnie ni ne vais plus acheter leurs produits. Il y a beaucoup de choix ailleurs.

I was their customer for over 8 years. I have a high credit score and when I tried to close my account with them they kept charging me interest even though my account was closed and I PAID in FULL and was told by the representative that I don’t owe them anything. They also didn’t update the credit union that I paid in full even though 2 months passed, and when I applied for a loan I had to pay with higher interest because of that!
Don’t use them! They work like a MAFIA

This card is a pain. They cut the limit in half when my wife was out travelling with the kids. Got stranded because she couldn't get gas with the card.
Customer service terrible, they just don't care and now I have zero credit available with no explanation given.
Whatever, I was just using it for convenience since we live close to Superstore. $1500 limit isn't exactly a credit card. Just another bank stumping on regular people who got hit with the covid.

I opened a PC money account a few months ago. I tried logging into my online banking and it wouldn't let me so I gave the customer service a call. They then told me that they had closed my PC money account without even telling me and I could no longer access my money. I made weekly deposits into the account and purchases every week. They could not give me a reason why they closed it but said a check would be issued to me in the mail with the remaining funds left in my account. I would not recommend PC financial to anyone I've never heard of this happening before.

My father has always paid all his bills in full and on time. He is now 92 and is not happy with his current Mastercard service. We thought we would try PC MC.

We were asked the usual questions, to verify who we were. We were then asked multiple-choice questions and told to give the answer that was the closest to the right answer. Excuse me but what...? And then told we answered wrong.

He has never experienced anything like this before in his life. He is an honest, hard-working man, who has never had a problem of this kind ever. Right now I am so shocked by how he was treated I cannot find the words to describe how I am feeling. Very angry and upset by how he was treated by this company.

I was a PC Financial customer for over 20 years. Was very happy with their app, access to customer service and of course saving those banking fees.
Sadly they sold the business to CIBC. I stayed for the savings but their app and customer service were pretty horrible.
When they re-entered the business, I decided to try their PC MasterCard as they were giving a 50.00 bonus. I have spent countless hours on their app resetting passwords.
I have been locked out of my account for three days and I have spent 3 hours on hold over the last few days. As soon as I use up the last PC points I will cut up this card and PC Financial can go back into the trash pile. Stay away from this bank for your peace of mind.

The customer service is really bad, every time when calling, it will take at least 45 mins waiting time to get hold of someone, then they will transfer you to another person for another 20-25 mins. I was with them for 15 years and recently found there is a fraudulent transaction. It was a restaurant purchase at a transportation company. Obviously, this transaction is not right but they kept asking me if I did any purchase there or used it for any online purchase. We were on the phone for about half an hour, and they said they could not do anything to help. I’m not suggesting people use this card, and if you do, make sure you check all your transactions. Well, if there are fraudulent ones, they are probably not going to help anyway. You are gonna stuck there paying just like me. I cancelled my card right away.

I had questions about points and received 5 different answers. Customer service did not attempt to provide any solution to my problem. After I asked several times if there was anyone else that may be able to help me they said that a supervisor would call at a predetermined time. I did not receive a call. The overall experience has been very unprofessional and disorganized. Would not recommend it to anyone.