Presidents Choice Financial MASTERCARD Consumer Reviews

This card is a pain. They cut the limit in half when my wife was out travelling with the kids. Got stranded because she couldn't get gas with the card.
Customer service terrible, they just don't care and now I have zero credit available with no explanation given.
Whatever, I was just using it for convenience since we live close to Superstore. $1500 limit isn't exactly a credit card. Just another bank stumping on regular people who got hit with the covid.

We have been paying our credit card on time every month maybe not in full but never missed a payment. My husband's score was 830. Then when they dropped his limit it went to 680 but all the other cards are great standing. Once paid off - by-by, PC!

I have now called 7 times over a 10 day period and have not yet been able to reach a customer service supervisor or have one call me back. PC MC sent a letter that reduced my credit limit with no explanation and no evident recourse. I use the credit card extensively every month and pay it off each month. I called to get an explanation and increase or return the credit limit to the previous level. Every time I call I am advised that I must speak to a supervisor but none is ever available and no one has ever called me back and more than a week has passed. Really poor customer service.

I usually use my other cards for higher-value purchases for better benefits. The only benefit Master World Elite (MWE) is for a few groceries from buying at your store.

I am a long-standing customer of PC Financial which offered to me this Master World Elite (MWE) card that I did not even apply for.

I just got a letter saying that MWE put in a new rule to downgrade cards when a minimum of $15k/year spending is not met. If I want to get another MWE, I have to reapply. I use my other cards at other stores that offer personal shopping, deliveries, better reward points and exceptional customer services that help during this pandemic. Why would I subject myself to apply for another card especially when it's really only good for your store?

I've been a customer for 20 years. Time elapsed (> 1 year) due to likely inaction by PC Financial and they first said the time to fight was expired. Then they said it was because I already agreed to a refund by the vendor. Before that, they said I could take a refund but still dispute the remaining $1000 or so.
Rare callbacks, try to bribe me with PC points worth only about $100 when the dispute is about $1000? I have been keeping small monthly balances on my account and they still treat me like I were owing them huge amounts of money. I have no arrears with them whatsoever. They also appear to have many call centers across the world there to simply answer phones and give false information/false hope/lies.

They admitted to contradictory information on the phone even with managers.

We were paying our credit card every month no late payments all of a sudden there was a decrease from 14000 to 7500 so it hurt our credit score. No notification or anything. Thanks

This company is a complete joke. They advertise to the entire world about their 100,000 points and then when it’s time to claim you go around the entire universe to get your points. They credit a measly 20k points in the beginning and the balance of 80k never comes to the account. An absolute disaster of a customer service where they ignore your issue and end the chat by not resolving anything. I repeatedly asked to talk to the manager and they never transfer the call. Disaster! STILL WAITING TO GET MY 80k points!!! UTTERLY DISAPPOINTED!

I got this card for my daughter, so she wasn't always borrowing mine to order things online. My daughter was not working because of the COVID stuff so I have been making her payments, every 2 weeks I put money on her card, I got this months statement saying I didn't pay enough last month, so the card was suspended and the credit limit lowered, when I phoned to find out what was going on they told me I didn't make the full payment for the month before, and then they told me they had taken the payment I made on July 9th and applied it to June's bill, so it looks like I didn't pay my bill on time when I complain I was informed that they can apply the money to whichever month they want to and the only way to avoid this is to make 1 monthly payment on the 15th of every month...

I went over my limit and my card got suspended, so I paid everything off. I tried to close my account and they wouldn't let me because I still have optimum points. Now I call during COVID to ask why my card isn't working, and they tell me it is suspended without being able to give a reason why. Manager on the phone was really sketchy and their overall business is unprofessional