Presidents Choice Financial MASTERCARD Consumer Reviews

I was dealing with PC Financial when I had a dispute over a purchase where I did not receive the product I was supposed to get. Not only was customer service awful ( wait times over 2 hours, only to speak with a representative who was unknowledgeable about the process) but the company offered me no help at all. Even when I went to put my card on hold as a precaution, the company said they would, and then when I went to test it, didn't. It may be seen as a cheap option, but when you really need your credit card to do as it is meant to (which is to protect the user), it will fail every time. My first review I've ever written because it was an appealing experience.

Pull out your PC account!!! Not worth It!
PC Financial has the worst customer service! Promising clients and keeping them hanging for almost a month. Always telling someone will call back and up to now no one calls!
Non-sense supervisor in online or phone calls. I do suggest getting rid of your supervisor if they can't even help clients!

The customer service agents always seem lost, always have to go ask someone for help, and somehow still end up not knowing what they're talking about.

But what has prompted this review is their collections department. I usually pay bills on time, but shit happens and I've unfortunately been hearing from a number of collections departments. Most are kind and understanding. They ask why you're behind if you can pay anything, when you can pay, and try to set up a payment plan. They're grateful when I say I don't need a payment plan, I'll catch up on a specific date. PC is just dehumanizing. They make a bad situation worse and leave me feeling horrible, I wouldn't be surprised if they'd pushed someone on the edge of suicide before. My mental health certainly nose dives whenever I speak with them. I answer, and they say it's PC and I say something like "I'll catch up on Friday" and they say "do you know you owe $165?" And I say "yes, I'll catch up on Friday" and they say "if you don't pay now it will affect your credit score" and I say "I literally have no money until Friday. There is about $3 in my bank account right now." And they suddenly get aggressive and say "can you pay $65?" And I say "look, I told you I have no money, I literally don't even know how I'm feeding my family this week, I'll pay you on Friday" and they start *yelling* at me and making threats about credit scores and how horrible my life will be if I don't pay some minimum amount when I have already told them I have nothing to give. And then I start crying and hang up. And then someone calls the next day and says "oh, looks like you got disconnected" and the whole conversation happens again.

Every other company is like "you can pay Friday? Can you pay a smaller amount sooner? No? OK. We'll stop bugging you for now and watch for that payment, thank you."

This is honestly the worst experience I’ve ever had with a credit card company, and I don’t usually have complaints about anything.

I’ve had the card for maybe a total of two-three months, and I’ve gotten declined more often on it than the payment has gone through. There’s a 4k limit on my card and I’ve spent less than 40 dollars total.

My card gets locked, I call them, stay on hold for 40 minutes, and then they tell me they can’t tell me why my card keeps getting locked. They just told me that in 3-4 days a supervisor MIGHT call me to unlock my card. I asked them if I could cancel my card but they told me I have to wait for the supervisor to maybe call me back and unlock it first.

If I could give zero stars, I would. I’ve never had any problems with any other credit card company.

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.