HBC MASTER CARD Consumer Reviews

This is the worst card I’ve ever owned. Every time I try to use it and if it’s a new place you haven’t used the card at before it will automatically decline and block your card. I’ve had this happen for online purchases, parking meters, ordering food, everywhere when my card has no balance. Then when you call you’re on hold for an hour just to get through well good luck if you’re trying to use your card at a store. The customer service reps say it’s a bot that automatically blocks your card if you are using it somewhere you haven’t used it before and just to call them. Another visa card actually texts you to ask if you’re making a purchase if it looks suspicious and you text back and it will go through. This company doesn’t even notify you that they’ve blocked your card so you can’t even use it until you call them to unblock it. Don’t get this card. It’s not worth the embarrassment and hassle.

Had HBC card for years - as gives further discounts occasionally to cardholders. Husband had a card. And I eventually got one if I went to the store on my own. Last night online shopping I used my card and it declined, husband's card ok.
I called to see why my card declined - could not make sense by figured inactivity on my card. Saw also they had old phone numbers on file. Lady asked 3x for info and then had to transfer to an advisor who also asked the same 100 questions. Wanted to know who was phone provider on phone ????? I said maybe easier to cancel the card since nothing owing. He said need to ask more questions. Easter Canada does not trust us I guess.

I have had this HBC credit card for years, only to find out the account was closed due to inactivity, found out because I checked my credit score. A letter or email would have been nice before the closing!! It could have been embarrassing if I had been shopping and had a declined card without knowing why?