Credit Card Reviews

Presidents Choice Financial World Elite Mastercard Credit Card Reviews

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(18 reviews)
Presidents Choice Financial World Elite Mastercard
1.3 out of 5 stars:
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The worst online bank ever

by Gene Liu on Sep 4, 2022
1 out of 5 stars

I have been with President's Choice (PC) Financial for over 14 years. Recently, the level of customer service has been horrendous. I would have given a zero-star rating if there was such an option. Wait times to speak to a customer care agent is over an hour. If the call drops, expect no call back from the agent you waited over an hour to speak to. Trying to speak to a supervisor is not possible at any time during working hours. As for requesting a callback from a supervisor within 24-48 hours will not happen.
I find that PC Financial should invest more time in improving their level of customer experience. In the beginning, PCF was delivering a good level of service. They should read some of these reviews and step up and make positive changes.
Until they do, expect more of these reviews to pop up and long-time customers begin to leave and move to other financial institutions.

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Attrocious wait times and poor customer service

by Sweet2bad on Jul 16, 2022
2 out of 5 stars

Wait times are exceedingly long (1.5+ hours, this is after I was contacted by PC Mastercard and given a direct number to call them). After calling the direct line, they said "oh you need to be transferred to a different Department" (this is after waiting for 1 hour and 15 min). Why is there no callback option like many other service providers?
Another issue was when I had to file a chargeback against a vendor - PC Mastercard provided no guidance, instructions or support and did not support me as the end user; they just played an intermediate party that sent emails between the vendor and myself (I could have easily contacted the vendor directly instead of enlisting PC Mastercard 'help'). The chargeback took 8 months, and it was only when I filled a public complaint on BBB did PC Mastercard give my file any attention.

Compared to the other big banks/credit cards - PC Mastercard is significantly sub-par!

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Worst service ever

by Rachelle champagne on Apr 8, 2022
1 out of 5 stars

Avoid PC Financial, you will get nowhere, every time I have to call they want to replace my cards, somewhere along the lines they changed my card to card used instead of primary cardholder now I am no longer able to make any changes to MY OWN account, was on hold and finally got through after 1hour 45min only for the call to get disconnected and they never called me back! I had to wait the same amount of time to cancel my card, I’m done with PC

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:

 

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65

Get this card / Apply online

Worst customer service

by ntulashyam on Nov 22, 2021
1 out of 5 stars

Nobody answers the phone, trying for the last 3 days and was holding for more than 1 hour every time, you can't get any resolution from this company, never ever take this card, because no one is there to talk to you...

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Horrible experience

by Smith on Oct 1, 2021
1 out of 5 stars

New customers to this card. Both my husband and I have had our accounts frozen, and a large purchase denied. When you call to speak to someone, you are on hold for over 1 hr. Have had nothing, but trouble. Not recommended.

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Worst Customer Service Ever!

by G STEVENS on Sep 29, 2021
1 out of 5 stars

As I write this I am at 1 hour and 49 minutes on hold! At this point, I don't really think they are going to answer but I don't want to give up and go through this again I still have a land and I decided to call on that one as well-it is sitting at 41 minutes. I am getting extremely frustrated. I cannot imagine being away from home and calling them for help. This is ridiculous and unacceptable.
I thought the free point system was great but not at the cost of this wasted time. I was already through this with them on the 13th of September-ugh! I am going to spend my points in-store and end this with them.

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Get this card / Apply online

Customer service wait time

by Brutal service on Sep 9, 2021
1 out of 5 stars

For such a large company to have to wait over 3 hours just to request a new card is ridiculous. Do you have one person serving everyone that has the card? Maybe a wait time notification could be added to your service so people know where they stand.
Totally unacceptable.

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