Desjardins VISA Classic Consumer Reviews

Customer service is awful! If you stay at a hotel and they authorize more than the total, this company won't release the extra for 30 days. The hotel even called to ask them to release it (on my way back I stopped so I was in front of them while they called) and it still took 4 more days (a total of 14 days). I heard another lady say this company holds for 30 days, so that's how I knew about the 30-day hold. Customer service does not want to help you. Cancelled my card. I don't need the stress of having a card like this.

I got this card with my company. Terrible. The card gets blocked everytime I travel overseas. I end up having to squirm for money and it is awkward. I have had to convert CAD to USD in a desperation repeatedly. They make me wait 45-60 mins a call to unblock and apologize and it happens again and again.

We had our company services paid automatically by this card and whenever it blocks, those services get suspended and stopped and we have to manually intervene to get them unblocked, often with our personal cards. There are also losses in real $$$ because of this.

The breaking point was when we were in the UK and the card was blocked AGAIN. This was apparently due to it being unpaid. Except, it has been paid fully. We called customer service from the UK. After a 45 min hold (they always seem to have unusually high call volume... it does not matter when you call), they told us they had not received the payment and that's why. It had been 12 business days by this point and no payment was made yet.

Fast forward and we came back to Canada after having had to expensively withdraw cash out from ATM's in the UK. I find out they had received the payment BEFORE we went to the UK but because of the internal way they have accounting for the card, the "main" account had been credited for the payment we made but that had not been reflected on the card itself.

So when we called from the UK, they were not aware of this? Clearly, the payment had been made by that point. They just confirmed that. We, as their customers, don't even know about their internal accounting system except they are now telling us we should have asked them to "decentralize" the accounts and this would not have happened. I am curious if these guys have any respect or manners.

Anyways, if you want to experience credit card and customer service hell, go with Desjardins. You will experience it.