Canadian Tire Triangle Mastercard Credit Card Reviews

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?

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!