HBC MASTER CARD Consumer Reviews

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?

This company, while it has offices in Canada, Capital One is a US Banking outfit and is run out of the United States and has no connection with Canadian Banks. After being with the company for many years and always paying my bills in full every month, when I needed to increase my limit by a measly $500 they couldn't do it because the US offices don't give a damn about their Canadian clients. Canadian management can not do a thing in terms of credit limits without the US bank's permission. And this is only one of the many problems I experienced with this company over the years. And mistakes were always in their favour. Be warned - stay away from Capital One and stick with a credit card company that is tied to a Canadian Bank.

Worst customer service. No one knows what they are doing. I called to find out why I hadn't received the package for fraudulent activity on my credit card and the representative said she there wasn't any report of it. I said that's funny because I have a reference number. Then she transfers me to no one and they hang up on me. Bunch of incompetent individuals. I will be cancelling my credit card once this is dealt with.

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.

I applied for Hudson's Bay credit card first in 2017 and then recently in 2020. Both times they rejected me and did not tell me why they made the rejection decision. Instead, they suggested that I contact credit bureaus, although they acknowledge that credit bureaus did not make the decision and will be unable to tell me why Hudson's Bay credit card department rejected me. I called HBC customer services more than 10 times to inquire why they rejected my application when I have only 5 credit cards, a credit score of 800, and a history of 100% payment every month. Very disappointedly, all they can say is that "they are the receiving end, they don't know why their system rejected me, they have limited information, and they don't have a department that makes the approval or rejection decision". They even suggest that I go to a Hudson's Bay store to ask why their system rejected me! Every hard inquiry stays in the credit report for at least 3 years, and HBC (partnered with Capital One) has put 2 hard inquires in my report, but not given me a single credit card or even a reason why they rejected my application. Hudson's Bay Credit Card is simply an unestablished company made of unknowledgeable people that cannot provide any useful service. I will never apply for Hudson's Bay Credit Card again and don't recommend anyone to apply for it ever.

I received my statement balance and paid it in full within 1 week of the statement date (more than 2 weeks before the due date).
I didn't use the card for any other purchases.

I then received my next statement a month later, showing I paid the full balance, yet still received an interest charge.
The interest charge was the only charge.

I left a small balance of $1 and change for a couple of months and when I paid it off I found they had closed the account and this had a huge effect on my credit rating. I can't believe they screwed me so bad over a dollar which I paid off even though the account was closed

One word: WORST! First I normally don't go online to write these kinds of reviews but in this case, I feel obligated to do so because they have been so bad in terms of resolving issues and customer service. They double charged me on my credit card. They dare to deny it. After 10 customer service calls. Being passed around left and right, still did not fix the issues, most horrific experience ever. Their customer service is clearly outsourced so they had massive problems comprehending my question (super frustrating) I'm a very patient person. My statement is in black and white and I don't see it's possible for them to even deny? I have never ever experienced this from any retailer/credit card company. Boggles my mind still. Don't sign up, most horrible customer service experience ever and they don't seem to own up to their faults.

Similar to another recent review, i asked for increase from $1k to $3k and was declined. I have absolutely PERFECT credit, and a very high limit on my daily use elite mastercard. I asked why I was declined and the robot couldn't tell me. When I asked to speak to a manager for clarification, they put me on hold for 15+min then disconnected, so I had to call back and then was told after 20+ min that they are busy and a manager can call me back in 2-3 days. What kind of customer service is that? I rarely use this card and will not be using again in the future. Ridiculous. I also noticed my credit limit was $10K a few years back and suddenly dropped to $1k? The Bay, whats going on?

As is their online ordering that did not go through after hours of trying - telling me my card was NOT VALID when it was valid - then the items arrived defective and or damaged - then I was diverted to the Philippines every time I called to resolve the problem where the customer agents did not follow through on their promises - promise #1: to credit me for the damaged items 15% so, I would not return the whole lot. The adjustment was not credited to my master card. Promise #2: the 2 items I did return were credit at a lower price than the amount of refund I was emailed. Again every time I called I was diverted to the Philippines - and bounced between customer service and back to master card department - one saying the problem was with the other and so on onto Infinitum. I have never encountered the worst service and have never had the worst experience.