Presidents Choice Financial MASTERCARD Consumer Reviews

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.

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!