Presidents Choice Financial MASTERCARD Consumer Reviews

Recently I received a credit to my PC MasterCard from an airline company.
The corresponding credit card had been compromised so another had been issued in July 2021.
The credit balance is NOT automatically transferred to the new card & I had to phone repeatedly to request the credit of over $1500.00 to be credited to my account.
After 7 phone calls & 7 weeks of speaking with multiple people this issue was finally resolved just yesterday Jan 21/22 ( they could all see the credit was there from Dec. 12/21
This customer service is absolutely horrible. The wait times on hold are terrible. At least 1 hour or more every time you try to get through.
As soon as my credit is used up... This card will only be used for grocery items that need not be returned.
This is the 3rd time my card has been compromised & I am extremely careful with it. I expect the high credit limit has something to do with it as my wife's card has never had a problem.
Also, my card is expiring & they told me my new card was mailed out over a month ago but I have yet to receive it. When I mention this ... they don't care! Just wait!

I spent over an hour on hold yesterday and an hour and a half again today with customer service for a blocked transaction and restricted access to my account online. Customer service is pleasant and helpful once you manage to speak with someone, but you are then transferred to security for another long hold time.

Tried on numerous attempts to call…. Spent over 2 hours waiting for an agent to answer and née got through.
Never received the 100000 points with my PC Financial Mastercard. Fraudulent...
Their self-serve managing account is a joke.

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 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...

This was one of my favourite credit cards until they did this to me. I hadn't received a statement in a while, so decided to log in and check, but I couldn't log in...I got something about fraud prevention and that I need to re-certify my login by doing some reset of password and them sending me an authentication id. Tried this, failed, got locked out, told to try in 10 mins, 2 hours, and then 2 days...that's when I asked to speak to a supervisor or manager. Turns out they have switched something over, said they sent me an Email about it, which I never received...in this switchover they also reset all notification settings to blank, and that's why I never received a reminder that my balance was due on Nov 7...but it was on Nov 15 that this nightmare began for me. So I paid my bill and was told that after interest rate charges show up on my account that I should call them back about it. A few mistakes they made here...number 1. They say they sent an Email, but because this is MONEY, they should have put a CLICK TO CONFIRM in that Email to ensure two-way communication was achieved successfully...number 2. Zapping notifications was a mistake that could have been avoided if a seamless transition and true customer care was a concern in their switchover. Even if they remove interest charges, this episode makes me rethink who I am doing business with. On the subject to money, I have a zero tolerance for incompetence, which I think was demonstrated here. Customer service is the one and only way that I evaluate a company, 'nuff said.

There is no customer service

This company is overall not bad. However, I have been with them for a good amount of years, five or 6 years. I've never been late on a payment. Never missed a payment, and all that time until a month and a half ago due to health reasons. These guys from first thing in the morning right until bedtime, 7 days a week. 15 calls every single day since then. Why the hell do you have to call that many times to somebody for under $100? That is ridiculous. There is no need to call somebody 15 times from morning tonight 7 days a week for the last month and a half, there is no need for it. Feeling my voicemail up so that if I get any important missed calls from anybody, they can't leave a message because they're all filled with these stupid calls. You guys just need to calm down. I can understand. Call them one or two times a day, not 15 times every day. That's excessive and ridiculous, and that's why I'm giving it a two-star review.

Have had this credit card on and off for over 15 years and I continues to be a pain! My card which is completely paid up continues to get declined for absolutely no reason. Call the customer service, wait for over 45 mins to be told it is my fault that the card is locked! Have to change my pin number for the 4th time! So sick of it! Don't bother with this card!

Just recently got rid of my annual fee World Elite BMO card in favour of the no fee World Elite PC card.
I've been using credit cards for everything as we live quite remote and rely on online shopping. Also I need a "large" card because I need to travel for work alot and require features like the included car insurance.
The PC card arrived in the mail with no problem. The issues started when we tried linking our existing PC account to this card. It just simply would not work. Also many time I did not get points a PC store as the cashiers don't know how to run this cards to give you the points. (They need to swipe them twice apparently).
The worst part was, that my new PC card become compromised after about three weeks of using it. Someone, somehow spent $3,000 before this fraud was detected by myself. I've received a fraud detection text message from PC after the damage had occurred. PC opened a fraud case and most of the money has been refunded except one larger charge. It has been over ten days and I still haven't received a new replacement card yet. Once this fraud case has been resolved I will most likely cancel this card and return to an annual fee BMO or RBC Mastercard.