Presidents Choice Financial MASTERCARD Consumer Reviews

Had this card less than a month, $260 owing on it with $1000 credit limit and already they have flagged the card asking for $100 to un-flag it. Paid $180 and still don't have use of the card, this card is dead to me. I liked the PC point idea but not at the cost of always having the card declined going back to my trustworthy Visa card.

These people are scammers. I overpaid my account with 17800 dollars and they told me that they are sending the cheque to me which till this date haven't recieved. Be aware of this company. They should be kicked out of Canada and MasterCard should take their privileges back from this company as it destroying their name as well around this country. These people are total thieves. I have filed a lawsuit of over a million dollar against this company for stealing my money. These guys are running their business by stealing someone's money on the land of law

I've had my PC Financial Mastercard for 10 years, however, after being sent a second new credit card in the last year (both times they said my prior card was compromised..? and a new one was issued) I can no longer use my PC points or see my PC Points balance. The issue began on May 7th, it is now June 6th and they still have not been able to correct the issue. I've called 3 times over this period. Each time was given the same answer and told that the issue will take 6-8 business days to fix. It's now been 23 business days and they still have not corrected the issue. What good is the credit card if I can't use and redeem the points, and what good is a credit card company that is incompetent and has proven unable to solve a problem within a timeline 3 times more than what their own expectation of resolution is. I will be signing up for a competing card and if the issue is finally solved, I'll redeem my points and cancel the card.

They provided new cards when old ones expired. Both mine and my wives were rejected on first attempted use. Called them up and went on-line was told I had to go in-store not use tap or slide and enter my pin 3 times to get accepted. When I said this seems a ridiculous procedure they said that was how the software was created. I tried it at a No Frills checkout and after all this, the card was still rejected. Luckily I had a Visa backup. The other people in line were not happy nor has I. Contacted their customer service again and after much running around was told change my password online and then follow the same procedure. Like a knob, I went in and the same thing happened. The clerk correctly said that his a moronic thing to ask a customer to do. I would cut the card up and go somewhere else. This was the best advice I received and what I did.

It's like they don't want you to be happy. Forget contacting them via email or website, they don't respond, so you have to call them. Explained to the first agent my problem, he transferred me, I waited another 15 minutes to get the worst agent. Maybe it's not his fault, it may be company policy. I could no longer log into my account and was told there was a flag on it, even though I had activated and used my card one. After the first time, I kept getting declined. The agent said they wanted me to send a copy of my driver's license and a utility bill in my name. NO! I have never had a CC give me this much trouble. Paid off the lousy card and closed my account. What a waste of time.

I have contacted the customer service department several times about not being able to access my account online. I was able to, in the beginning, however, after the change to their website I have not been able to. I called customer service they said - IT would review but never has been fixed. I always have to call to inquire on my balance, check payment dates, etc. My card is not delinquent and no reason this should not work! I am beyond angry at this point as spending a minimum of 7 mins to simply do a task that should be accessible online, seems very tedious

Mean, Unprofessional, unhelpful, bad customer service I have ever met. When I started with PC Financial they had a great Customer Service but now they are losing their Customer because they have bad Customer service and I am soon want to cancel with them and go with another and better financial

This company has pestered me to apply for their PC Financial MC. In an attempt to contact them for clarification of card features and application process when they sent me a pre-approval form, I was met with far more additional application hoops than originally indicated despite an impeccable record. I received multiple different answers from different customer service sources and honestly, there was so much lack of ability to follow up on my inquiries I requested no further communication from them. This was ignored and STILL, they repeatedly sent me junk mail. I have requested yet again to remove me from their contact. Absolutely a gong show. To anyone thinking of applying. Make sure you read ALL the fine print on this card as the rewards are far less than what it appears on their promo materials. Thankful I never got this card. Happy to continue on with my other products instead.

I got the PC MasterCard for the optimum points and I will be cancelling it. I had qualified for bonus points for spending a certain amount in Zehrs and paying with my credit card: 6 weeks ago I put a request in because I was not awarded the points and they told me they'd add them in 4-6 weeks. I emailed at 6 weeks later and they told me again, the points would be added in 4-6 weeks. Not sure how the points arrive in my account but it must be the sickest carrier pigeon in history. So, let's recap; I have to fight for my points and pay like 23% interest? My other credit cards are 11%! Bye-bye PC. You can take someone else's hard-earned money and buy yourself a faster pigeon.

Don't be fooled by going with their no-fee Mastercard, they will charge you with hidden fees that they will not reverse. Will be closing my card, I highly suggest going with Capital One who offer more benefits than just PC points, which are next to nonredeemable.