Presidents Choice Financial MASTERCARD Consumer Reviews

The customer services is bad and they make it hard to dispute a transaction. My calls to customer services often got disconnected and I would have to call back again to wait in line again.

I have called about 8 times now and each time they ask me for more and more information and than say I will be good to activate the next time I call and I call and they transfer me to a specialist. Why they are called specialist? They ask for a bunch of my info and yet my account is still not open. At this point when I call back tomorrow, I'm going to say I don't want to activate it and not worry about it. Because literally, a dog could give me better information. Sorry guys but you do not help at all I have had my card for almost two weeks.

I find it extremely difficult to ever get into my account. I am asked REPEATEDLY for a verification code, it won't accept my password, asks for a user name which it rarely accepts and repeats the process ad infinitum. I have made at least 15 calls (not an exaggeration) and the only agent who seemed to know what they are doing was the last one who did appear to solve the problem. Even then I had to finally give up as immediately I ended the call, the problem started again. Worst web site ever. I am now paying off the balance and will not use the card again.

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.

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!

I decided to pay off my credit, unfortunately, there was around 200$ outstanding amount which I wasn't aware of. After three months they sent me to the collection and ruined my credit score despite my stable financial situation. (Veterinarian).. They never called me despite they have my cell. Very unprofessional !!!

The new website and security features really are a pain in the neck. I'm always locked out, and then when I get in, there's no way to download transactions. If you want to view transactions on the website, they're spaced out so far apart you can only see a few at a time even on the big screen. I loved their old website and have been with them for many years, but this new website is making me seriously consider switching credit cards.

This card is ok. Some good features but they just blocked access to Mint, so if you use the site, this card will become a major headache for you. It's a real shame. If it wasn't for the Mint blockage, I wouldn't have cancelled my card

I do all of my banking online. Not the safest way to bank but my job had me travelling a lot and I needed to be able to do banking this way. The PC Mastercard site is garbage. I ALWAYS HAD TROUBLE LOGGING ON. Now with their new enhanced security, they are forcing you to use Google Chrome according to the customer service rep I spoke to since I cannot log on with Firefox. Google already knows way too much about me just cause I use Android, they don't need to know my CC history as well. I am paying off my balance and cancelling my card. If a large corporation cannot develop a site that works with ALL browsers, how secure is it really?

It was all fine and I enjoyed the rewards until they switched to Optimum and there was no way to connect and no online help. Mastercard cut. So deceptive in that at first they give you rewards but then no way to get them.