Canadian Tire Triangle Mastercard Credit Card Reviews

I was shopping at Canadian tire and on the line, a lady caught me and asked to apply for a credit card in which I could get an 8% discount for two months. I refused and she asked me why? I do not understand why! I told her because I don't trust the system and she said this is your point you are wrong she told me many times and finally I thought maybe I am so strong to accept it maybe it was stupid to don't accept it! I didn't apply for any credit card since I wanted to apply for a mortgage for 2 years! And after half an hour I accept that! She said we never check your credit if you cancel it in 2 months! And I trust her! And imagine what happened!! I checked my credit and they checked a hard check on my credit and my score dropped by 11 points! Never trust them and when they followed you just go mad at them because they won't leave you if just say no I do not want that! Or never go on Canadian tire if you can't go mad .they never leave you shopping especially when you have big shopping there!

Is by far the worst customer service I ever had to deal with. 2 of 3 contacts I had with then they are rude and cynical. Do not do business with them.

They don't want to work with you if you've been off work for a year. When I finally got back to work they took almost my whole paycheck. Leaving me with not enough funds to cover the basics, such as rent and utilities.
Run far away from these crooks.

I was late on a payment and made a full balance payment plus more once. It was posted they shut the card down and then tell it would take 8 to 12 weeks to send me a check.

Called Customer Service 4 times because my card was stolen and I was very worried about any potential fraud. Besides the fact, that some agents were out of the line, during the last call the lady checked my ID with the usual questions, DOB, my age, address, and account transactions (even if I don't have the statements and she knew it). At the end of the call, she confessed she couldn't check my ID because I didn't know my age. So my DOB was right but she wasn't able to subtract correctly TODAY date-DOB and come up with the same answer as I told her. Hello Canadian Tire Bank, hire some qualified people in charge of your clients' finances.

They block your card and the office is closed at 8 pm. Just bad. If you have a choice, not this horrible card. Use another one. A lot better... Anyway, that’s not the point. Just say no to this lame company credit card.

Good card but just pray you never have to phone them. I swear none of them have over a grade 5 education. One representative will tell you something, and the next will tell you something completely different. Get some training and it might be an alright card.

A sales representative approached me at 3553 Lawrence Ave East, Scarborough store persisting me to apply for the Triangle Mastercard. I gave my consent to apply for the account under my investment company's name not my personal. She said yes. A few hours later, I have learned that she used my company name as my employer and applied for the credit, which messed up my credit profile as I am not self-employed. She purposely input the wrong information to promote a sale without realizing how it impacts the consumer. Upon closing my account, I spoke with the supervisor at the Canadian Tire MC department about the incident, she said "I will request the back office to make a request to reverse the information on your credit file". I made a request to CC the process to my e-mail, but she said "we don't do that". I also asked her to give me the name and contact details of the contact person who may handle my complaint, she said " I don't have anyone". Ruthless attitude is what I have experienced with Canadian Tire MC bank staff.

I had a credit card through CT Bank that opened it in 2018. They closed it without my knowledge in 2020 because apparently, I missed 3 months in a row of small payments which was NOT the case. Fast forward to today I went and looked at my credit score to find it dropped significantly due to CTB when they closed my account it says bad debt write off and no one ever contacted me to collect in 2 years. CTB reopened the account and sent it to their bank/collections and reported it on my credit as an individual problem now and it doesn't show now that it was a bad debt write off and closed it shows it is "in collections" and to boot when they closed the account it says amount past due $0 and now it says $1850!!! The report days are within a few days when I printed off the documents to send to trans union to report fraud.
DO NOT ever deal with Canadian Tire Bank. Even when I called they said they are allowed to do this and I was told and shown by my lawyer they are NOT. Bad debt write-off means they wrote it off and no attempts to collect and now 2 years later they are trying to collect and adding interest screwing up people's credit for what purpose?

This card will randomly and very frequently lock up your money at the perfect times to screw you over the best. Then when you call to support you sit on the phone for an hour for them to say "I think it is trying to catch up to transactions if it still does not work tomorrow call back" and it never would and would have to be reset. This card is full of glitches and useless support staff I had to call in 7 times in the first week. Pick another option.