Presidents Choice Financial MASTERCARD Consumer Reviews

I am totally disgusted and frustrated with PC Financial MasterCard service and can't even begin to tell everyone about the run around I have received from their customer support team. I have been unable to sign in to my online account or my mobile app for the past two weeks to no avail and each time I called customer service I received promises from customer support that they would send a note to the IT team for a resolution. I have since spoken to two “Managers”, with a promise from the first manager to call me back in two days which never happened and should be fired accordingly. Both managers have not been able to fix or find a resolution yet or have their IT team contact me with a resolution. This really frustrates and bewilders me in this current tech-savvy age where any tech issues that I have ever brought up in the past with other banks or credit card institutions were always corrected during and within the time that I made the telephone complaint. This company is totally incompetent and useless in terms of customer service and finding a resolution quickly to satisfy the customer.

I got my new card in the mail and I had to call the number to activate it because when I tried to sign up online it said account blocked and the card wasn't even activated yet. I called and gave my card number and date of birth and she said she would have to transfer me to the appropriate department, I was then talking to some guy and he said he had to transfer me to someone else because he was having technical issues and then the last guy said he had to put me on hold while he checked my account, I waited for about 5 minutes and he still didn't come back, so I hung up and cut up the credit card, I will take my business elsewhere. Totally useless customer service, no one knows what they're doing because they're all too busy talking to each other. I think this customer service is in India. I don't recommend doing business with this company. Customer service sounded like party central with all the noise in the background

I have a PC Mastercard. Never missed a payment, was always early, and always paid more than the minimum amount. Today I checked online, to find out that PC Mastercard had closed my account. No warning, no letter, no explanation... I called, and went through hell trying to speak to someone. One after another, the customer service agents were terrible to speak to. One accidentally hung up on me, then when I called back I spoke to another person and it sounded like there was a party in the background. Finally, I demanded to speak to the supervisor, I was informed by him that they do monthly credit checks for their existing clients (that's right...), and because my credit score had slightly lowered due to another company (I repeat, another company that has nothing to do with them), they decided to close my account. Not only is this appalling, it's also judgemental, derogatory, and should be illegal... And one last thing: by checking your credit monthly, and deciding to close your account due to what they see, they are lowering your credit even more. I now have "Account Closed" on my credit report

I went to a restaurant on July 19, 2019, and my credit card was blocked when I was trying to pay by my PC Mastercard. I called their Client Services and they told me I could not answer some security question regarding my account (which I have no idea when or where this happened). Then I called the other day trying to find out why and the agent told me not to use the speakerphone. I think this is so rude and she kept saying because I am a sup cardholder and blah blah blah... Next day, I cancelled my sup card account. Before that, I personally used this card for the regular purchase and generated $ 3,000 balance each month. Now I and my wife are not using PC Mastercard at all. I have so many credit cards in my whole life and never missed a payment. In my personal experience, PC Mastercard constantly checking your credit bureau quite often than other credit card companies. If you don't want soft hit / hard hit on your credit bureau, better cancel this card now.

Twice I had gone online to print off a copy of my statement ... site down for upgrading. I go online today, enter my information, wait for a Verification Code ... it takes 13 to 24 minutes for the verification codes to come in. I phoned to talk to any agent, to change to having my statement mailed to me ... after 10 minutes with her, I was told it will cost me $10.00 to change to paper statements. I told her that’s ridiculous (1st time I have ever said a swear word to an agent .. I was so mad). I said to her I want to cancel my card. I am switched to another agent, trying to convince me to keep the card .. offer me 10,000 and then 20,000 optimum points ... I declined. Points rewards were no bargain .. they restrict how many points you can use at 1 time. I am very happy to have cancelled this card!

Canadians are known internationally as being savvy bankers. This card is the exception. It keeps rejecting my purchases despite being nowhere near my credit limit [their security algorithms are so paranoid my card is continually being rejected for small and large purchases alike despite my calling twice to ask them to fix this], their managers are only available during biz hours, which is ridiculous for troubleshooting purposes, and they don't call back when promised because they don't call back at all, the card's dashboard does not reflect what I see on my dashboard, and their Customer Service representatives don't listen. This card represents pure incompetence. It was a great card when PC banking existed. Now it's a small horror show. Thanks, PC Mastercard managers for ruining what was once a truly great Canadian product. This card is a time and energy sinkhole.

I used this card all the time and would pay it off as quickly as possible to avoid interest and penalties. In doing so I would use my card at mobile one stations to fill up with gas and then pay the card off as soon as I could. Because I payed off the card before they could charge me interest I stopped receiving points for gas. Any other purchase that was paid off fast I would not receive the points either. On top of that I had to work out what was going on myself because customer service never did tell me what was going on, only that they were looking into it. The card has sat in my desk since. I would not recommend this Card or PC financial.

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.