Presidents Choice Financial World Elite Mastercard Credit Card Reviews

It was FRAUD !
I can not talk to the lady on the phone because she was sending me to dispute department which was closed
Unbelievable
I did not do anything wrong and I have to waste my time to prove it ??

After months of trying to correct not receiving statements via mail or even online we will be canceling our PC Mastercard.
I’ve paid statements without multiple attempts to even see the details as they threatened collection services even after multiple customer service calls with no resolution… only false promises.
We will never deal with them again, very very disappointed in their ability to provide customer service and solutions to their own issues.
Their website is not user friendly and their customer service staff is uneducated and unable to provide assistance and solutions to issues!

i went to one of the stores of PC Financial for applying the mastercard credit card and i explained that i just moved from ottawa to niagara falls and i want to apply a credit as well as debit card he agreed and applied that for me but he never told me anything about what i was going to face next even i worked for PC financial for some time but i’ve never applied someone’s card just to complete my daily target i’ve never been that selfish, they applied my card and put wrong postal code on it then for confirmation they said that provide us proof of address and proof of id i gave them my driving license my phone bill my home lease my bank statement (one month with current address and 2 of previous address) and now they are not activating my account because the postal codes are not matching and now they are not my account and saying bring 3 months bank statement with current address. it will take 2 more months to activate but i know after that it’s still not going to activate cause the postal codes will never match cause i live in niagara falls and in their system they put fort erie’s postal code, it’s their mistake on the first place and now i have to suffer for 2 or more months. i strictly recommend not to apply PC financial card if you recently changed your address or anything on your id until or unless you have 3 months of bank statements of the address you are living in, otherwise the card is awesome.

Opened an account in Feb 2022 and was issued a “World Elite” account with $2500. I used it and paid it off in full weekly for months - just for the points (which aren’t all that great)…The month that I leave $400 on it (October 2022), they slash the limit to $1000 with NO NOTICE! After a 53-minute wait on the phone, I paid the $400 in full and closed the account. Stick to the big banks for these types of accounts, if you want to avoid these ridiculous occurrences! Far too many others are complaining about this same topic! Wow.

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.

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!

Had a card for 3 years. Always paid on time not one payment missed. The card went over limit a few times due to interest charges. We are talking about 20-25$ over limit. They suspended my account. I called them and they said I had to apply again for another card. I paid the card in full and went elsewhere. I have another elite card and all is good. Take your business elsewhere.

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

Customer service is just playing games to the clients. You guys are just fooling us.
Customer service doesn't know and feels to help. I was so frustrated, it was since last year my problem with my credit card. I can't access my app. I am totally a good payer that is why I am so frustrated. They just kept on transferring you to another line for about an hour or 2, not just 2 times but more.

The World Elite card did not allow me to pay a foreign vendor. I tried for up to a week. Spent over 6 hours with PC MasterCard people. They bounced me around with false assurances. Finally, I gave up and sent a wire transfer.
Very dissatisfied with PC MasterCard service. Thinking of getting rid of this useless card!