Presidents Choice Financial MASTERCARD Consumer Reviews

I got my PC master Card hacked and 2 transactions appeared at the same place: addiction house treatment in Kitchener basically at the same time that I was in the mall updating my cell phone. I called the customer service and they said they can’t do anything because the “purchase” was made with my card and PIN number. They cloned my card for sure, but customer service just say that their card is impossible to be hacked. Just got the card blocked and waiting for the last bill to cancel the PC credit card for good, PC master card, never again. Back to TD Visa, where the customer service works!

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.

I have had a very frustrating experience over the past few days with PC. I applied and was accepted for a PC MasterCard...the points incentive was very exciting for me as I own a small business and often make large purchases monthly. The card (and sister card for my partner) came in the mail 7 business days after the application was sent, approving me for an available $12,000 credit. I called and activated both cards, made about 4 or 5 purchases over a weekend, and then a final large purchase over $1500 on Monday. On my way home, I went to stop for a coffee and saw my card was declined. Thinking maybe the account had been flagged due to the big purchase, I called to clear up whatever was going on. The representative I spoke with then told me my account had been frozen, and that I needed to pay back half of what was owing on the card (about $1000) and send in a photo of my utility bill and a drivers license to re-activate the account. Now...this has been 3 DAYS of purchases. Not a month. Not a week. 3 DAYS. I asked over and over again WHY this was happening, and she said the application department needed to review my status. A very vague way of saying "we screwed up, and now we need to hold your account and you need to pay the money back". My partner's card was also frozen, which means we both are now left without a credit card for...how long? When I asked how long this process would take to rectify IF I DID pay the $1000 they were requesting, I was told anywhere from 5-7 business days for the documents to be viewed, and another 5-7 business days for the card to be re-activated. Now, as a business, I can assure you that I can't wait around for 3-4 weeks to be able to purchase merchandise and services. This experience has been a horrible hassle, and when my money is paid off, I will be cancelling this card. I've applied for another credit card in the meantime...but I am SOOO unhappy with how they treated me as a new customer, and how unhelpful they were in answering my questions.

I got the MasterCard because I worked at a Shoppers and they had the transfer over while I was there. Now that I don’t work there, it’s useless. Their groceries are way more than anywhere else, customer service is a joke. I can’t take money out. I’ve only missed one payment in a year of only $50 and they completely froze my account. What?! I’ve always paid early and once I pay this off, I’m cancelling and throwing it in a fire. The first customer service guy I talked to was calm but kept going in circles and didn’t answer my questions other than told me he couldn’t help. Asked to talk to a manager and he was useless. Didn’t even try. I’m done

25-30 minutes waiting time each time I call customer service. I only use this Mastercard at selected grocery stores for points. Points are the only reason I have this card. If Costco had all grocery items, I would have shopped there to get 2% back instead of using PC Mastercard. Many years ago, my card was hacked, they had accused me of some charges and had made my life miserable for a few months. Customer service is simply horrible, this card and Canadian Tire Mastercard. Lesson: Never again subscribing for any store-based credit card.

I had a PC Financial card for almost three years and used it and paid in full every two weeks. Went to use my card and it was declined. Thought it was the credit machine, tried at a different store and still the same. Called customer service and my card was cancelled due to it being compromised. Now, this supposed compromise happened in July and here we are in September, no phone call to tell me and if it was compromised, why would it not being cancelled then and not 2 1/2 months after. Was told a new card was sent which I didn’t receive, but I sure get a lot of calls to increase my credit limit! Cancelled the card immediately, not worth the 10 dollars a month towards groceries

I activated my card this morning. My experience of talking to their customer service agents on the phone was already very unpleasant. I had to speak to 4 different agents in order to get somewhat clarified information. 3 of them were far from being pleasant. I do not have high expectation, as I know it is not an easy job. However, they are very impatient to explain and clarify how their reward system works. Contradictory info was provided.

Customers service is the worst and, honestly, for the amount of money they approve you is not worth it. Go with Walmart rewards Mastercard.

Got approached in the store by a lovely lady. Took all my info and she told me I would be contacted. The contact turned into an interrogation worse than homeland security. Got told I needed proof of existence when the lady took all my vital info in the store, in the end, had to abandon the application - all this just to earn points. Complete intrusion and not great customer service. I had to wait on hold for a while, they claimed system issues.

I got my card and started using it. They put a hold on it until I proved who I was and then I had to pay 700 to be able to use it again. My minimum payment was only 50 to which I paid on time. I only used 1000 ish on the card and they want me to pay 700 to use it??? I gave them all the documents they asked for and still a month later they never even looked at it. Now they are looking at it because I called them. This could take days or weeks who knows. I asked them to take off the hold, I mean I’ve proved who I am and I am making my payments, so what’s the problem?? Well, they want me to still pay 700 or the hold stays on the card. Ridiculous!!! I have other card and never had a problem, but these guys don’t care. Don’t get this card! What a joke!!!