Presidents Choice Financial MASTERCARD Consumer Reviews

I have been using this card for years and PC Master card has made money from what I spend. Recently, I was scammed by a free trial trap online. The scammers used Costco to make me think that it was a free reward from Costco. They hid important Terms and Conditions. I thought I only had to pay for the shipping of some skincare products. It was a month later that I know that I had signed up for a free trial and also autofill, which I had no knowledge of. I was charged $400 by the scammers. When I called PC to dispute the charges, the rep wouldn't even take this as a dispute. He said this happens every day. Since I clicked that button on the scammer page, where the important message is hidden somewhere, I have to pay the scammers and PC Mastercard cannot do anything. In a business world, shouldn't the merchant provide customers with a copy of the contract they sign? In this free trial scam, if you don't keep a screen capture of every page you went through, you really don't have any idea of what you agree with. Once you give out your credit card info and click that button on the screen, it is changed to another screen and the important info won't be shown again. The scammers won't be able to provide you with a copy of whatever you sign for. They ask you to check their websites. When another email from the same scammer popped up, I tried to pretend to go through the pages and managed to keep screen captures for all the pages. On the final page, hidden at the bottom, there are some Terms and Conditions. Comparing these Terms and Conditions with the Terms and Conditions on the scammer's websites, I find several key discrepancies. All this means if you don't have screen captures for all the pages you went through, you won't know what you have signed up for. Whatever the scammers say you sign, then you cannot deny it. According to the contract laws, shouldn't merchant provide customers with a copy of a contract? PC Mastercard knows exactly what these scammers are doing and they won't do anything. I will cancel my PC Mastercard.

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.

I've signed up to get a pc MasterCard months ago and still cannot review my transactions on their app. I call and all they say is that they are working on it and are escalating it but its been almost half a year and still nothing! I cannot stand the way they are handling this! Every time I call they pretend like they are doing something by putting me on hold and come back with no valid answer! Very very disappointed with many things about their customer service and now I am looking for a better card! It's not a good card at all!

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.

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.