Presidents Choice Financial MASTERCARD Consumer Reviews

I was approved for a credit limit of $500.00 2 years ago. I've kept my debt utilization low. Paid it on time. My credit has improved during this time not due to this card but other items falling off. This card did nothing to improve my credit score. They have denied every attempt over 2 years to have my limit increased. They don't have a reason why they won't increase the piddly $500 limit. I can't do anything with this miniscule limit. Can't buy plane tickets or stay in a hotel for more than one day. And It takes forever for payments to post. The customer service isn't good. Just a terrible credit card. Waste of my time and energy.

Got the card approved 2 months ago, 12k limit, used one time at No Frills, spent $90.00 and then Esso speed pass app. Used it twice, about $120.00 ($60*2) Then card got suspended. The same case as others, call them up, give me all about I was under their fraud alert, ask me series of questions and I told them I have been living at the same address for more than 20+ years. They, basically, ignore what I said. I spoke to them and all my security questions answered were correct, but they still claim I was under fraud monitoring. What is that? I asked to speak to that department, they said - no, then they said they will file a case onto my account and they will review it. Of course, they didn't, called them up twice every 3 days, they ask me the same stuff again, said that my card gets reactivate within 24 hours, he told me to trust him. No need to call back. Fine! 6 days later, went to Tim Horton's and tried it out, the same decline message. Call card provider, such a joke! PC MasterCard, shame on you! If you are not willing to lend, don't ask us to apply! Wasting our time and take a hit on our credit. Anyone who sees this message, AVOID them!

Do you know you pay high interest on this card? So I always try to pay it up within 7 days or so... the only reason I use this card when I do grocery and superstore happened to be the nearest. Anyways, I noticed they always close my app even when I punch in the correct password, so this got difficult from time to time to see the balance and pay it out because either they don't want you to pay it out or they keep adding interest as you don't see or can't log in. I am not sure if anyone else has the same issue? But It took me a while to figure this out, before I used to think I forgot the password until I started to track it. Now I know it happened a few times! And those Philippino ladies in customer service is the worst full of lies and misinformation.

I had a PC Financial credit card for several years, and in 2020, they suspended my card for maintaining a balance for too long. Not for being overlimit, not for not making payments; simply for maintaining a balance, in spite of always keeping it under the limit and paying at least my minimum every month (often more than that). I contacted them about this and the agent claimed that this was a rule and that I'd been notified. I had not. There was no letter on record and nothing on any of my previous statements warning about this action being taken. In spite of this they refused to remove the suspension and just offered that if I made a larger payment, they could consider unsuspending. I immediately made a larger payment (IIRC about 1/4 of the balance), and they told me that wasn't enough, and that they would now unsuspend my account when the balance was paid. So in April, I paid down the remaining balance, and have maintained a zero balance since then as I intended to buy tickets with PC Travel this fall. Fast forward to today, and I attempted to buy the tickets. Turns out my card still wasn't working. I called them to enquire, and they now said that my card was marked for purging due to being unused for too long. I asked them why this was because it wasn't set to expire until July 2021, and they said that they reserve the right to purge accounts, not in use. I asked them to reconsider, under the circumstances, and given the runaround, they'd given me, but they would not. My only option would be to wait for the card to be purged and then reapply for a new card. No thank you! Stay away from PC Financial Mastercard.

I've had this card for a little while now and for the most part, try to avoid using it because of how awful their customer service is and how predatory they are. Unfortunately, when I stopped using it I accidentally left a balance of 0.06 cents on it - yes you read that right, six whole cents. When that balance interest wasn't paid they reduced my credit limit and hit my score. I called them to try and reason with what was clearly an oversight and I might as well have talked to a brick wall. Avoid at all costs!

I am still on hold while I type this. Have been on hold for one hour and fifty minutes. It said only ten people ahead of me at the start of the call and yet I am still here. What everyone is saying is accurate. Their fees are really high. I always pay in full but if I miss by even two days it's a massive amount in interest. We even tried auto deposit and they made it difficult to sort. I am basically on hold to cancel the card but cannot even do that! Absolute awful. I have tried to call many times. They need to fire their staff!

I noticed on my statement that someone else was using my card everyday for skip the dishes. I called the card company. I was put on hold. When I did get a recording saying 16 people were ahead of me. No option for a call back. Not only that if it is over 30 days they won't help you.
The insurance is the same as the amount I spent. A nightmare.

I went over my limit and my card got suspended, so I paid everything off. I tried to close my account and they wouldn't let me because I still have optimum points. Now I call during COVID to ask why my card isn't working, and they tell me it is suspended without being able to give a reason why. Manager on the phone was really sketchy and their overall business is unprofessional

Well, this financial company does not care about you just you spending money on that card and owing them for life. The interest rate keeps going up no way to disagree. The only way is to pay off the balance in full not everyone can do that. I signed a contract with 19.99% and now 39.95%!!! My other accounts have offered me lower and lower rates due to good standing. The one time I was out a job they refused to help me even though I got that insurance but nope. They charged me a hefty fee for not being able to pay and right to collections even though I said I just started a new job and will pay up the first payday. They ruined my credit for 5 years. Other companies said no problem took the extra bit on top of my minimums six months back and threw it on divided into two months of payments to keep me going ok. Be careful with these supermarket credit cards they all seem to just be a very clever scam or fraud if you will of consumers. And they will get away with it. The account is closed has not been used in 5 years. Putting $300 a month down on a $60 min payment. 2 months ago balance was at $2486.24 this month suddenly $3220.46 and all because that ridiculous interest rate kicked in. I glad I have the money today to actually pay this off and be done with them.

We were so happy to get our PC card. We were excited to collect points but our experience has been absolutely terrible. Within the first day of use, one of our transactions got flagged. The account on hold as it was considered a large purchase on a newer account. Fast forward three days later, and five phone calls. They tell us someone will call to authenticate us within 24 hours. When we call back, we get the same message. We call every morning and yet it is the same story. Nobody can serve french speaking people and while both my partner and I called to confirm our identity, that doesn't seem to be enough. We were jumping through hoops to use their credit card. There are way better companies out there and they will let you use the services you signed up for. STAY AWAY!