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HBC MASTER CARD Consumer Reviews

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(33 reviews)
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Misleading Promos

by Faraz Ahmed on Dec 26, 2021
1.5 out of 5 stars

Their promos said, apply for a credit card and get 20% off on First Day Purchases. This means First Purchase, not first day purchases according to an Agent.
I conveniently keep getting disconnected in the chat. 3 times already!

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by NOTNEO on Dec 5, 2021
1 out of 5 stars

The horrible transition of the HBC MASTERCARD TO NEO. I too had a credit balance due to returning shoes to the Bay as my size was not available. I had an approximate $226.00 credit and requested it to be refunded back to me as a mailed cheque or an e transfer. The callback time is over 2 hours to only learn from the manager Tiffany that it cannot be done and I must purchase goods of at least $226.00 in order to zero out the balance??? Absurd! Clearly based on that I requested to close the card to only be told I could not re-apply for who knows how long??
Was it not my money???
It was escalated to Corporate and they verified it was a gross error on the communication of the associates and manager and that the refund could have been processed without an account closure. No anticipated time frame as to when I can re-apply and every credit application affects a person's credit score.
In addition, I was granted an 8k limit which I wanted to reduce and could not as they said they could neither increase nor decrease credit limits. As one knows, having open credit is a security risk these days, affects the ability to get and negotiate mortgage rates, leaves an opportunity for fraud.
Ask for a request to see if the NEO HBC card shows on Equifax or Trans Union Credit Bureaus and it appears not to.
In addition issues with linking your rewards card to the credit card and several Point of Sale issues when transacting.
To top it all off, the card is backed by Alberta Treasury Bank ATB financial and created by the owners of Skip the Dishes.
I was an HBC credit card owner for over 30 years. Now I cannot take advantage of the rewards associated with the Master Card
Be vary very mindful of all of this please before applying or accepting the transition as there is no other credit card or non-credit card affiliated with HBC

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Poor Processing Times

by Karyn on Sep 8, 2020
1 out of 5 stars

Beware! I registered for this card because of the perks (1.25% rewards back on 3rd party purchases, redeemable at the Bay). However, their system is clearly designed to discourage 3rd party purchases. Reward points take 2-3 billing cycles to show up for 3rd party purchases. It takes 3-5 business days to process a 3rd party transaction. Refunds are taking over 15 business days. I've been waiting for 20 days for a refund to be posted onto my account. They said that there is nothing that can be done about it and that this is their standard... It's really an unacceptable timeframe. All my other credit cards show transactions immediately under "pending transactions". The customer service agent led me on to believe that they would resolve this issue. However, after repeatedly asking about what exactly will be done to resolve the issue, they said that the 3-5 business days is their standard and nothing will be done about it. They also tried to discourage me from escalating this issue. The account supervisor said that nothing can be done. I've been on the phone for 3 hours and have had no improvements.

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