Canadian Tire Triangle Mastercard Credit Card Reviews

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.

Every time I needed to use this card in an emergency it let me down and would be declined for no reason like the other day Dec.31 declined had made a payment 2 weeks prior to this had to make phone calls you know the drill that was the third time the call center claimed no record of it being declined...

When I went to pay for groceries today I found out my card was on hold... why? Because I made a payment! The associates on the phone (they don't have a chat function- another reason to avoid this stone-age company) told me that Canadian Tire Bank randomly places holds on accounts as a security feature. I am not sure how this gives better security, especially when the hold was placed after making a $900 payment. They told me the hold will last 10-14 business days, and they will not remove the hold. I asked how this was communicated to me (email, notification, the legal paperwork) and they said that this information is not communicated to customers, this is just their practice. Please understand that I am the type of customer who always pays her full balance each month- so perhaps I am being punished because they are not getting a bunch of interest payments from me. Please avoid this shady company unless you enjoy having random holds placed on your account every 6-8 weeks.

What a bunch of scammers. I have had this card for 3 months and have been paying off the balance each month. The last payment of 300$ I just found out is being held for two weeks for no reason whatsoever, now I found out I overpaid by 2 dollars and I could spend that in the meantime customer service is rude... When I was transferred to a manager I was lectured about how to make payments...

Had an issue receiving my card. Made numerous calls and was misinformed every time. The new agent would just say that “they shouldn’t have told you that” or “sorry we can’t honor that”, even while all this is documented in the notes, even promises made. They claimed they will review those calls, however, no concessions or accommodations were made. The supervisors took condescending and belittling tones throughout the interaction, passing on blame and not once admitting any responsibility. Overall... the worst customer service experience ever!

I applied for a card around the first week of November 2020 and was approved for $500 instant credit on a triangle card. I used the card and made a fairly high payment way before the due date, for no default reason Canadian Tire suspended the card. Then continuous have called up to 5 - 6 times a day looking for payments. It's harassment and they refuse to stop even after being told to by a lawyer. The law says no more than 3 calls a week yet they do as they please. I'm filing a breach of contract suit against them for cancellation while the card was in good standing. They also put negative things against my credit without taking into consideration COVID. They also lied saying I requested the account closed and the number of my payments to the credit bureau. Will not tolerate the harassment anymore and will be contacting the government to file a complaint against them as well.