Presidents Choice Financial MASTERCARD Consumer Reviews

I fully concur with the latest comments from others about wait times. It is a massive exercise in frustration. I would say this defines futility.
Try to log in online, and you cannot. The reason is simple. You do not get the verification code they send; so, you cannot log in.
If calling from your mobile, you better have a fully charged battery. Otherwise, your phone will die while you are still on hold. Come to think of it, have some food and water ready too; otherwise, you might starve to death before your call gets through.
Used to be much better. Now I would not recommend this to anyone and am simply not using it despite my decades-long history with them.
Smarten up, PC Financial

Called me to ask about the authenticity of the purchase, was legit. Lock my account. I have called more than 4 times been on hold for over 2 hours each time for customer service just to transfer me to another department with another 2-hour wait time. I just need them to unlock my card which has zero balance. All bills linked to my account now all other companies emailing, calling me. PC you are the most brutal company to get a hold of. I called other company's customer service departments and got through in 10 mins each!!! I get my 2.3Million points back and go with another credit card company that knows what good customer service is. PC you are terrible. Would give -5 out of 5 if I could. Shame on you.

I can't believe waited for 2 hours once! Then 1 hour to activate the new card and still no answer not going to activate now! If your card was lost would horrible experience. I can't believe Mastercard is in business with these people. I'm going into the store tomorrow PC Finacial booth to close the account!

I was security flagged for some reason after I had received the cards and was unable to activate them because when logging on to the PC Financial app as it was restricted. Called and waited and waited. Sent in my supporting documentation. Waited 3 weeks, tried to log in but still Access Restricted. Was told that my documentation did not check out!!! I've lived in the same owned home for over 30 years, I'm employed by the same employer for over 20 years and have excellent credit. Something is not making sense here. They solicited me to get the card, I thought I'd use it to collect more points - I don't need any more credit. Makes me suspicious of their intentions quite frankly. And the agent I spoke to on the 2nd occasion confirmed that I was flagged for something and that it was not random as I was told on the first call. Sounds like a lot of trouble to have a PC Mastercard! So it all worked out in the end.

I waited for 11/2 hours for customer service and this lady having bad behaviour or say unacceptable way of talking telling me she knows everything because she said she's been working there a long time!!!! And in the end, hang up on me!!!! Just clarifying my bill's statements, how come they hire people like her.
I will cancel my card because it's frustrating dealing with this kind of service, not in my life again to get PC financial card and letting to know my friends and relatives how bad their service...

Been on hold for 1 hour and 45 minutes now. PC Mastercard messed up my credit score real bad. I closed my card 2 years ago, I paid everything off. But now to my surprise when a credit check was done on me, it says I owe PC Mastercard money. Whoever processed the closing of my card was truly incompetent! Now I have to go and correct THEIR mistake just so I could clear up my Credit Score! And I can't even talk to anyone from PC Financial! STAY AWAY FROM THIS CARD PEOPLE.

This is the worst credit card! Prepare yourself to wait on hold for hours and hours working with the slowest most incompetent people.

They flagged fraud - but I had to call THEM to verify. Called 3 times and waited for 45 minutes each time before hanging up. Ridiculous!!! Sent a message via email and someone called me days later to apologize and lift the hold on the card. Two days later I tried to use the card at the market and it was declined. What!???? Get you act together. I'm cancelling!!!!!

Tried to make a large purchase and it was declined, I had enough credit. I called customer service and the call had to be escalated 3 times (this took about 45mins of waiting). I was eventually told that because it was a large purchase it was being flagged and so I can use the card for smaller purchases and try the large purchase and it may or may not go through because it’s being flagged as suspicious and there was nothing the supervisor could do for me. This makes 0 sense, I have the credit, why can’t I make a large purchase if I’m consenting? Cancelled the card immediately.

So disappointed with President Choice Mastercard Company they couldn’t detect fraud transactions not even once but twice!!! Unlike other Mastercard Company if they see a suspicious transaction they always informed the client if they are the ones who did it or not for security reasons. If I could rate it as ZERO I will so disappointing and they couldn’t reverse the transactions that the scammers charged to our credit twice. How could this Company run their business and could not detect scam and fraud transactions!!!