Presidents Choice Financial MASTERCARD Consumer Reviews

This credit card is awful! I pay my full amount to delete my account and they still charge me more interest after paying in full and cancelling my credit card! I had to wait for 3 hours on the phone for customer service and it was so nasty... Never answer what I was asking trying to get someone else like a supervisor and couldn't get me one... This is so disappointing PC credit card! Do not get this card! The interests are so high but customer service are awful! Please, be careful!

The system wouldn't allow me to activate the card forever online, blocking me out so many times due to the "UNSUCCESSFUL ATTEMPT" from their error.
And the waiting time to fix this is ridiculous. I waited to talk to a general staff for 2 hours and then 2 more hours to a specialized agent.
Don't have this card!!!

I have been trying for the last couple of days to speak to someone about getting a new credit card as the card I currently have may have been compromised. Of course, the wait times to talk to someone on the phone is unbelieveably long to the point where you give up waiting. To go online, and you ask for a "live agent" the system spews out everything you do not want. What gives? Are you trying to lose customers? I ended up having to lock my account and decrease my credit limit as I do not want to risk someone using my card. This company does not seem to care about their customers because if they did their service would be a lot better. This company does not even deserve a rating of 1.

And was worried. I didn’t use the card but then decided to. Well, it’s true. I was using it and suddenly a transaction got blocked as fraud. Okay! Then I receive a text message asking me to confirm the transaction as legit or fraud. Okay! It’s legit, now give me my card access back! It never worked again anyway. Fast forward a week, finally, I get a statement! But oh no, I can’t log in to my account anymore and I must call customer service! So what happens if they can’t help me? Does my credit go to hell because I can’t even pay my bill?

You need to wait 3 hours to get a chance to talk to a customer service representative. I have charged a $25 cash equivalent fee and I asked if it is possible to cancel it, but the answer is NO!

They would not even listen when I tried to get them to not close the account, refused to even consider the reasons for doing so was wrong

The wait times are horrible with over an hour plus every time They are too cheap to get more staff. Goodbye. I am getting another card and destroying this card.

Seems like a big scam to get your 100,000 points promised I have been waiting since the end of January after they could finally get my card mailed to me. Now they are changing the rules and say I have to have a LOBLAWS purchase on my card and wait 4 to 6 weeks... such a run around that I should just cancel the card but I want those points. And I have missed out on extra point days for shoppers at least 3x now.
SO FRUSTRATING!!!
And when you call to inquire I am on hold for a minimum of 1 hour to find out they have closed the case and have to reopen it... Such nonsense... Doesn't anyone have pride in their jobs and do their jobs right anymore?

I rarely post any review or feedback on a product but I felt compelled to share my experience with PC Mastercard after 1 year.
My credit score has always been over 800. I have never missed a payment or kept a balance over 10%. I’ve spent $20k but always paid at least 90% of the balance by the due date! In short, my account is in excellent standing.
Now I just paid off the small balance that I had and as thank you they just lowered my limit from $4,500 to $1,000 with no warnings, no email, nothing! Trying calling customer service and was on hold for 2 hours and I gave up!
Absolutely disgusted by this company!
I’m cancelling my card! Stay away from them!

When transactions are downloaded for quicken and you attempt to reconcile the account, the outstanding balance (the amount you owe) shows up as a positive figure.
The outstanding balance in quicken is of course a negative number so the account does not reconcile. When I called customer service I was informed that PC Financial Mastercard does not support downloads to Quicken despite the fact that there is a link "Export to Quicken" on their website.
This does not happen with any other financial institution with which I have dealings.