BMO World Elite MasterCard Consumer Reviews

I pay my bill in full every month but now they call with a recorded message saying they need to speak with me - I call them back and I’m on hold for 3 hours (no joke)! When I finally speak to a real human, I’m upsold and told there are no issues with my card - they just want to upset me! 3 hours of my life I’ll never get back. The latest is not getting a bill anymore! 3 times this year and I’m only in month 7. I’ve lived in the same house for 15 years but somehow I’m not getting a bill???
Now if I call just to get my balance, I’m immediately transferred and out on hold for hours! I’m cutting up this card and will never get another!

There is no upgrade for telephone services. Other banks give you an option to leave your number so they can call you back for BMO there is no such option you have to hold the line for 15-30 minutes! The same issues with online customer service with personal and business accounts. Good luck even being able to read the contact number on the back of the card. I personally talked to 3 managers of master cards to let them know that it is not easy to read the contact number due to the spot of printing it and no changes or updates so far after a year of talk. No improvement or upgrade in terms of customer service over years. I've been up on this bank and will switch to another bank for sure it is frustrating.

What do you mean wait time 4 hours? If the support service is inadequate to meet the client demand timely, then expand the capacity of the service team or adapt other solutions like call back queue list. This is utterly stupid waste of time, and anger-provoking to stay in line and listen to stupid recorded voice of "appreciating the patience"

The fact that they charge a yearly fee for this card is laughable.
1. Customer service is non existent. Call center is always 2-4 hour wait.
2. During COVID all travel booked through the card was “not refundable” even when airlines were refunding, BMO wouldn’t. The insurance on the bookings is garbage and doesn’t cover anything either.
3. VIP lounge access is terrible and almost none of the airport lounges subscribe so you can pretty much guarantee you won’t be benefiting from that “perk” of the card.
4. Very high yearly fee and you don’t get much back for points!

Go with another card! This one is a scam.

I had issues with my credit card for the last couple of months, non of my transactions were going through even tho I paid the full amount I owed. I have actually overpaid the amount I owed. I have tried to contact customer service via phone many times, their wait time is over two and a half to three hours. A few times I have stayed online for over 45 minutes then all of a sudden phone disconnects. I went to the bank and asked for help, they tried calling the MasterCard line and told me they can not hold the line for so long so I have to call the Mastercard line myself in my own time. Who has 2-3 hours to hold phone line, this is totally ridiculous. I will not recommend this bank to anyone or their credit cards.

I have been trying to talk to someone from World Elite Mastercard for a week. Each time, I am put on hold for an estimated wait time of 2-2.5 hours. I have tried calling several times between 8 am and 9 pm. It’s always the same message. Do you think any our your customers that qualify for this credit card have 2.5 hours to wait on hold?!
You would think paying $125 a year, would come with at the very least - the benefit of being able to talk to one of your employees! Absolute garbage. I will be cancelling my card as soon as I have time. I imagine cancelling it will take 2 hours too!

At this point, I am looking for another card. Worst customer service ever! Only good for air miles. They still charge a fee for every foreign currency transaction. I pay my bill monthly, but for those of you who don’t, my interest rate went up to 22.5%.

I have been trying to get customer service on the phone for over a week. Every time I call they say over 2 hours wait. I’m locked out for online with my MC, so today I decided to wait. I am still on hold it’s been over 5 hours! That is the worst customer service I have ever experienced. I don’t care how good the rewards are if the customer service don't care!!! Very angry and frustrated! I am going to cut up this card and move on. Don’t ever get this card!!! I will NEVER get an account with the bank either.