Presidents Choice Financial MASTERCARD Consumer Reviews

I used PC Financial MC for over 15 years until I lost my card and asked for a replacement over the phone. This was the first time I have ever called PC Financial and I was put on hold multiple times and every time they hung up on me or if I did reach a human, they would transfer me and then I would have to wait another 45 minutes. This is just ridiculous customer service to either hang up or transfer to another person. I think this one time I waited almost 3 hours. After reading all these reviews, I am glad I am not the only one who experienced this! After requesting a replacement card which I was told would come within 14 days, which it did not - I called them again after about 1.5 months and then they expedited a replacement card through courier but it had the same number as my lost credit card... Are they not supposed to change the number if my original card was lost to prevent fraudulent activities? This time I decided to try using their website to ask instead of waiting 3+ hours on the phone and they said they would send another replacement card with a different number. Again I waited another 1.5 months before FINALLY then sent me a brand new card.... so I was out of a credit card for almost 3 months!!!

I finally called PC Financial today to close my MC account. AGAIN I was put on hold for another 45 minutes waiting for someone to pick up and when they did, I got someone who kept repeating herself over and over again, "Hello, this is M_____, how can I help you?" x3 and I kept telling her (politely and calmly) that I would like to close my account. She blatantly ignored me and repeated her name again and again. She sounded really annoyed and said "HELLO??!!! If I don't hear you, I will hang up in three seconds." And of course... they are notorious for hanging up on customers and so she did! I was calling from a landline and I was using it earlier on another phone call so I know my phone was working and I do not have a mute option so I knew she could hear me but she chose not to. I don't really understand this company and the shame of hiring someone like this person who picked up my call.

I ended up calling again and waited almost an hour this time and then finally managed to get a person to pick up. This time the agent seemed happier to help. I'm just crossing my fingers that they did close my account!!!

I hate this card! They always block my card like 3 times a day. And also the duplicate transaction with different dates. I can't even use my available credit.

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.

This company has a serious problem with customer service. Their wait times on the phone are completely unreasonable. Trying to make any purchases online is always a problem and getting someone to respond is simply a waste of time. I will be cutting up this card. I just can’t put up with it anymore. I will tell everyone I know to never get this card.

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.

I used to have this card many years ago. This was before the Loblaws and Shoppers Drug Mart points programs were combined. I paid off the card and closed the account at my request because of very poor customer service. The small rewards I received were not worth the frustration. Today, in 2022, my credit report still shows that my account with a status of Open, an available credit limit, but no activity. I have no confidence in the accuracy of the data they send to credit bureaus. Ironically, I just received an email invitation offering me a pre-approved account. No thanks. I checked the other reviews here and it appears things have got much worse with this company. My advice is to stay away. There are much better credit cards out there where you can get more value in rewards compared to the stingy 1000 points for 1$ standard offer from the current PC Optimum program. I still collect Optimum points when I happen to be in a store, but I use a different credit card than this one.

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...