Presidents Choice Financial MASTERCARD Consumer Reviews

Very bad experience: every time you need to call them you need to stay on the line at least 50 min to get an answer. I don't suggest Presidents Choice Mastercard.

I have been a PC Mastercard holder for 20+years. Recently my family needed to travel overseas as a parent was sick & later died. This was unexpected & we used a Mastercard to cover the costs (NOT PC). Now PC have lowered our limit without any notification. This is disgraceful to do such a thing to a loyal customer who has never been over the limit, who has always paid off the balance & never had any charges. I call to ask why & they say: because our credit score is lower (remember we did not use PC to cover our travel). The card we did use has offered a credit increase!!! This is how PC treats loyal customers, We will NEVER be using PC Mastercard again, our balance (which was small) is paid off well before due date AGAIN but the credit card will be a dust collector from this day forward. I have read many complaints about PC, so it just shows what they think of us all. Oh, and the card we did use for our travel will be clear this month, so PC, good on you. We have better cards anyway & optimum points can be collected without you. You were only any good for no-frills & Loblaws anyway!!!

Please beware that they can jack up the interest rate to 25.99% if they want to. I was very happy with the 19.99% interest rate given to me until they decided to hike it to 25.99%. Very upset.

I did not request to close the account and I was in good standing as well. Paid my balance in full and all. Went to the grocery to use the card and the transaction didn't go through as it was "blocked". Apparently, they closed it without my notice. Too bad they lost a client. Good for my wallet, one useless card out to the shredder. Best to get the Westjet MC or Costco MC over this useless card.

I was not happy with the customer service as I was accused of not paying them for three months. They blamed me for not receiving their bill when the bill was returned to them for some odd reason - even tho I have been living in the same place for over 20 yrs. I explained to them to send me the bill again but they could not without asking me how long have I had the card, I could not answer the exact time. They were not satisfied and I was never left a message or an email saying what has happened. It is sad when they make you feel like a criminal. I finally received the statement which they said I would get in a few days. The statement dated 19th and it is the 27th. I talked to 3 different people on different days and it was the worst customer service. They do not listen to what I have to say, they like to blame. So disappointing

I applied for a PC Financial Card in Shoppers. I was told I would get 70,000 points for opening it. I put my son as a supplementary cardholder. They gave the points to him!!! I am female and the primary cardholder!!! Looks like discrimination! I’ve been trying to get it straightened out for weeks and not done yet. Very angry. I think I should sue for discrimination.

The credit card company reported me to the bureau and lowered my rating but has not given me the first warning either in writing or phone or by email. I usually receive a written statement of my account which I did not receive the last two months for a balance of just 200 plus dollars. Now my rating sunk to a low level I can't probably qualify for a car loan. So beware the next time you go to their store.

I have been with PC my entire life and I cannot wait to cancel my PC Mastercard. Not only do they frequently lock me out of my card (after verifying I will be using it in another country) BUT when I make payments from my debit banking app, it takes 3-4 BUSINESS DAYS to accept the money. So essentially my money is then stuck in cyberspace for potentially 6 days depending on when you choose to put money on it.

We've been customers for years. Our account has been inaccessible since a website change 3 months ago. We have not seen a statement or been able to check spending on our cards for this entire time. Customer service has been friendly, but totally useless. I have called 6 times. Each time they promise they have escalated issue (lie) and will get back to me (lie), nothing has been fixed. Terrible, frustrating, time-wasting experience. Will be cutting up cards as soon as points are spent.

I opened my credit card account two months ago. Received the promotion bonus of 50 000 optimum points as suggested. Cannot log in. I tried calling several times, and each time they said they are working on it, and assured that they escalated the issue! At the 2-month point, I called to close my account, at which point they told me they would remove all my PC Optimum points, that I have been earning over several years. Literally the worst customer service, ever.