Stay away
by Rylee on Jan 3, 2024
1 out of 5 stars
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
I canceled my account on 2018 with full balance has been paid. After years I realized they left $1 on my account and ruin my 4 years of credit history.
Our card was blocked because we forgot and were late one payment. The notification we got was misleading because it said we had exceeded our limit (we weren't close to your limit). We have had the card for years and have paid off the total balance monthly. This was the first time we were late on a payment. I have never had a card that was so aggressive in its block.
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:
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.
They called us about 3 months ago to confirm our address since somehow one statement was returned undeliverable, 6 MONTHS before they phoned us!!? The address was correct. Later we realized the card was expired as of 01/22 but no new card ever showed up. Phoned them to ask what was going on, and they said they would send out new cards for my husband and me, although my husband never had one in the first place!? A month or so later nothing showed up. Phoned again and after 3 HOURS total wait on hold to find out they canceled the card due to inactivity. Nobody told us it was canceled and the only reason it had no activity is because they failed to send a new card in the first place!
So instead I phoned another bank and had a second card ordered in less than 10 minutes.
Never again PC Financial.
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!
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
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
I had nothing owing and an excellent credit score and they cancelled my card and didn't tell me or warn me they were going to. It was embarrassing when I got my transaction declined. I waited over an hour on hold to find out why. The reason I hadn't used it in a year. Ah HELLO we're in a Pandemic where people don't really shop that much for a few reasons. If I want their card I have to apply again. NO THANKS!!!! They don't deserve my business.
Been on hold for 1 hour and 45 minutes now. PC Mastercard messed up my credit score real bad. I closed my card 2 years ago, I paid everything off. But now to my surprise when a credit check was done on me, it says I owe PC Mastercard money. Whoever processed the closing of my card was truly incompetent! Now I have to go and correct THEIR mistake just so I could clear up my Credit Score! And I can't even talk to anyone from PC Financial! STAY AWAY FROM THIS CARD PEOPLE.
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:
I cancelled my President's Choice Mastercard because they took the credit balance on my card as an inactivity charge. On my last statement, I paid more than the balance and they withheld it as a charge. The agent made no attempt to resolve the problem by waiving these charges.
So pay attention to the President's Choice. I would never do business with this company again or buy their products. There is a lot of choices elsewhere.
J’ai annulé ma carte de crédit Master Card choix du président, car ils ont prélevé le solde au crédit de ma carte comme frais d’inactivité. Lors de mon dernier relevé, j’ai payé un montant supérieur au solde et ils l’ont retenu comme frais. La préposé n’a nullement tenté de régler le problème en annulant ces frais.
Faites donc attention au Choix du président. Je ne ferais plus jamais d' affaires avec cette compagnie ni ne vais plus acheter leurs produits. Il y a beaucoup de choix ailleurs.
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I’ve had the most horrendous experience with PC financial credit cards. I’ve had the card for a few years and only wanted it for the points. The credit card gets you nowhere further with points although they promise the world.
Terrible experience #1:
Auto-payments from my primary account (different financial institution) had expired without me realizing it which meant I had missed 2 payments with my PC cc. Not one phone call, email, notification from PC Financial. I had randomly logged into credit karma and found out that I had missed the payments. That day, I had got a call from a third party to say that my account was going to collections. Not from PC financial. With no communication, they sent my account to collections. I have never missed a payment once prior to this.
Terrible Experience #2:
Once again, I signed into credit karma to see that my PC CC was under closed accounts. Upon spending 30 minutes waiting to speak with someone, apparently there was a request to close my account through a request to speak to a representative online. Never got a call. Never got a confirmation that my account had apparently been closed. Nothing. As I write this, I’m trying to put an offer in on a house and find out a huge amount of my credit amount had randomly been cancelled which can seriously mess with my pre-approval.
Just avoid this financial agency at all costs. It’s a true customer service nightmare.