Presidents Choice Financial MASTERCARD Consumer Reviews

I didn't apply for their credit card and somebody got a credit card under my name online. I got mail that I applied that is how I knew about it.
I called them and waited in line for 1 hour - no one answered and there's no service with this company. I know because somebody used my husband's name and got this PC Mastercard and spent $2000 and ruined my husband's credit.
Also, they didn't help him. He had to wait 4 hours to get an answer to the phone and he solve the problem by himself.
PC Financial is a very BAD company!
It was shocking they accept the application without a checking ID!!!
Poor security system!!!
They didn't even talk to the person on the phone to open the credit card without ID.
This company should be closed!

Deactivated my account because I "didn't use it enough" - not because I owed anything. In fact, there is an overpayment now of more than $500 on it because I was not aware.
More than 5 hours on the phone being transferred, again and again, asked the same question with no resolve, and hung up more than 7 times. Finally reached an agent who told me I should try to reinstate the account instead then would get that credit. So I went through that process.

One month later a voicemail that says I cannot be reinstated and to call THEM back. So, another 3 hours on the phone and the same scenario. After multiple emails and complaints apparently, they are sending me a cheque in the mail that should arrive in 20 days we shall see. Ridiculous customer service. This should be criminal. Who cancels a card that has an available balance that is being paid every month and actually has a credit on it???

I lost my card and reported it online. I made a few calls to follow up and it took forever to get a hold of someone just for you to get transferred again and wait forever. I haven't received the replacement and it's been a month now. I read all the comments here and they are pretty accurate. This PC Credit Card is a joke.

Someone used my credit card. It took 6 months for them to realize that it wasn't me. They sent me an apology letter and then put the charge back on my card and don't want to talk to me or discuss why, it was 4 months of wasting my time calling in, investing more than 13 hours, and still no supervision is never there or return my phone calls, stay away.

6 months later and PC Mastercard customer service admits my file was still not even looked at. Called 5 times and each time they say it will be expedited.
I had fraudulent charges on my account and reported in a timely matter, provided documents and evidence, and never got my money back.

Celà m'a pris une heure pour seulement canceller ma carte de crédit. J'ai parlé avec 3 représentants dont un premier qui a soudainement raccroché la ligne après qu'il m'ait fait attendre 35 minutes... Une vraie risée..
Ne faites pas affaire avec eux.

I had 600$ credit available on my Mastercard and I do payments after every two weeks then suddenly they put a temporary hold on my account without notifying me plus ask me to pay the rest of the money which 400$. It is ok am not saying that am not gonna pay that but I have 600$ you can deduct your 25$ from there too. Plus, the customer service agents are so rude and lazy like they don't want to do work. I recommend choosing any other company rather than this PC Finance.

- Horrible wait times
- customer service hangs up for no reason
- takes forever to get something done
- DELETED 30,000 POINTS FROM MY ACCOUNT & NEVER COMPENSATED ME

Don’t get this card.
I called in to authorize a purchase after it was declined. Fail #1I tried again and it locked my account for fraudulent activity. Fail #2
Tried calling in for the ENTIRE WEEK. Took an hour to finally reach a customer service representative who said the fraud team will look into it. Fail #3
It’s been more than 3 weeks, I hear nothing from them. Try to call their customer service but of course, the wait times are an hour long no matter when you call. Haven’t been able to use my card for more than 4 weeks now.
Their fraud team is terrible, their customer service terrible, and their system can’t even authorize a purchase I called in to authorize. Embarrassment. Go with literally any other bank...

Tried several times to get through to the fraud department based on an alert and my card and it is blocked. The wait times were ridiculous even as I tried to multi-task and do other things so that I lessened the frustration. Absolutely awful. I will be paying off the card this month and cancelling and moving to another provider. There is no benefit that I can see in having this card. It is a headache with very little reward.
What adds insult to injury is hearing "thanks for waiting, your call is important to us" in some vague hope that you might be fooled by this standard falsehood comment.
It blatantly isn't important to you, or you would answer the call and not leave the customer who pays for the privilege of using the card hanging on the phone perhaps hoping that they will get so bored they will hang up.
If you do some internal call center analytics you will soon see that this is your major pain point and it is pretty clear that your customers will leave and go elsewhere.