Presidents Choice Financial MASTERCARD Consumer Reviews

I just got my card, activated it, as well as my husband, was at the grocery store with ONLY this card in hand, and it was declined. An 8k credit limit, brand new card, never used, and it was declined. Called while at the store, only to be told it wasn't active. Sent me through the automated system to activate, and tried the card again. Declined. Left the store with no groceries, horrified, embarrassed, and angry. Got home to call again, only to be told yet again it wasn't active. Activated a 3rd time, only to be declined AGAIN. Both cards. Finally, tried one more time, my card was declined, the husband was able to cash advance $20. Decided to go to a different store for a few groceries, only to yet again have BOTH cards decline. Tried the bank again, still, both declined. It's useless. I have never had an issue like this with any cards, and I am shocked you're still even in business.

I have been paying for PC protection for a few years I am self-employed so I call up because there is no work to get my payments made to find out that they do not cover self-employed. So I get a job get laid off after 5 months call up to get payments made still not able to get it you have to qualify for it but not enough weeks to qualify. So again can't get it.

Basically, you have 30 days to figure out that a charge on your card is not valid. And customer service will make you wait on a line, but be completely unhelpful. You must supply cancellation confirmation from subscribed software if this is a software subscription. They are not interested in flagging software companies that are ripping off people with subscriptions. I am in dispute with a software company. The cancellation did not produce anything more than a screen print that I judiciously took, but it is not enough to contest the charges. I am livid. Do not purchase the software. You will not get the software and you will not get refunds and after you cancel you will still get charged. Normally the credit card company has your back, but PC Financial does not. It is only good for groceries.

Putting high-interest rates aside (holy moly their interest rates need to chill). I just called customer support because I have noticed that $600 has left my account with no transactions or pending transactions. I simply asked (4 times) if there was maybe something they saw on their end that I didn't see because it just didn't make sense. The woman talked in circles for about 20 mins only to get frustrated with me asking the same question that wasn't being answered by saying "it is probably the hefty $500 bill you have". I always keep my cool with customer support because I've been in their shoes but to disregard my concerns and then address my problem (finally) with such an attitude really pissed me off. Don't get a card with them, this is not my first issue and it will not be my last.

I called in because my card wasn’t working and I just received it not long ago and then the first question they asked me was for my social insurance number - that’s pathetic because it’s illegal to ask anyone for their sin number!!! This company needs to be shut down. I have recordings with employees while I’m on the phone with them and they are hanging up on me just because I questioned them that why are they asking for sin number and they hung up on me. WORST SERVICE EVER THESE GUYS WASTED SO MUCH OF MY TIME. I spoke to a lawyer about this and we can take action which I am. So watch out!

I really can't recommend this card mainly because my account was in good standing and they put a block on my card for being roughly $10 over the limit, temporarily. The balance was brought back down to 0 within the week but I never bothered to reactivate the card based on principle. I just found in ignorant that they would authorize a transaction bringing you just over your limit, then send you an email advising you that they've temporarily suspended your card privileges and to contact them. I could understand if you have a poor payment history but it was so entirely out of the blue, it just put me off doing business with them. Ironically, if you check your credit report you will see that there's a note that says the account and closed even before you close it but that the terms you agreed to are fulfilled, no payments were missed and there are no negative reports attached. So that begs the question, why would you temporarily suspend someone's card for being a mere few dollars above their limit? It just makes no sense. Just stay away, There are better credit cards available with better customer service. PC Mastercard is unreliable. You can't know for certain that your card will work.

Worse credit card EVER!! Stay away! If you go over your balance you can no longer use your credit card until the balance is at 0?!

I Contacted PC Financial to close my account in January - 6 months later, they still haven't closed it. The grocery points aren't worth the effort of having to deal with their customer service people.

Over a year ago, I got into financial difficulties when my personal world dissolved. (End of marriage and blindsided by all the debt as spouse left the country and I was left with it all.) I fell behind on my payments with my PC card. I caught up as soon as I was able and contacted the company for help. Rather than assist they chose to shut down my card (fair) and charge me an additional 8% interest per month. Now, I paid that additional 8% dutifully and ALWAYS paid more than the minimum owed. So COVID happens, and I can no longer pay their ridiculous interest. I called and spoke to 5 different supervisors, 3 of which say, "I can't offer you a settlement amount, but my manager can." And I waited 3 weeks for ANY manager to call me back. Come to be told, the ONLY way I can get out of this hell hole is to go through Debt consolidation. As asking for a settlement amount or a credit of 4% of the absolute ridiculous interest rate they tacked on, DURING A FINANCIAL HARDSHIP, is too much (as it would wipe out 55% of my balance.) So congratulations PC Financial, you go down in my books as the worst company I've ever dealt with, your greed has taken you from any sort of humanity. Congrats on charging me an additional $2500 in interest on a $2700 balance in one year. Do NOT sign up for ANY of their services.

Not a good card company. Played havoc with my limit, bringing it up, then bringing it back down in two separate chunks in the midst of the COVID crisis. Even though the card was kept for a long time, utilization of other cards due to needing to suddenly build a WFH space justified their behaviour... Never mind that most places don't want to take cash which sat waiting to be deposited when it was safe for my compromised but to get to a bank. No help. No apologies. Oh, and they're raising their rates as soon as it's least needed. Not a great company to work with. Avoid this card.