BMO World Elite MasterCard Consumer Reviews

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.

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 use this credit card for air miles. But customer service sucks big time. I have been trying to reset my online password as I am locked out, and it's been over a week and wait times have been anywhere from 2 to over 4 hours on any given day. At this point, I may just cancel the card. Customer Service is everything to me. I guess BMO does not feel the same way?

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.

It took me few times to be on the line for more than 3 hours.
Right now I am on the line and it turned my 4th hour of waiting when someone will pick up the phone.

I have used the BMO World Elite card extensively for about 10 years now. I am highly disappointed recently with customer service. Long wait times and the reps seem so depressed and not attentive. I understand this is COVID time and we all need to be patient, but my calls to the BMO customer service line have been confusing, frustrating and no one there seems to care about resolving issues. I am looking at cancelling my card.

If you transfer an amount from another card, make sure to read all of the small prints because it’s not exactly 0% interest for one year. There’s a transfer fee, and, if you think there are no minimum payments think again, we still have to make minimum payments according to the law...). Because I missed those minimum payments (since I thought no payments for one year) they will charge you interest for the remaining periods, in addition to the transfer fee already paid. Absolutely not worth it.

Be prepared to be on hold a minimum of 20-40 minutes. I have called numerous times over the past 2 years generally because I am locked out of my account online and need resets. I have never gotten through without a minimum of 20 minutes hold. Of course, when I first signed up for the card and experienced this I spoke with a manager who said: "We are aware of the issue and are working on getting it resolved". Here we are 2 years later the same problem. In the past, we always used CIBC visas and never did we have any wait times like this...We only switched because Aeroplan points were harder to come by and the program was making changes. After using my points on BMO world elite we will be moving on as my time is more valuable than the service BMO offers.

When I needed to contact them after going through all the motions of numbers etc. I was told there would be a 40-60 minute wait. Hung up and called again several hours later and this time 30-60 minutes wait. So I decided to cut up my card. Elite you say. Gone I say. If they really wanted to give service, they could easily have a callback system.