Canadian Tire Options MASTERCARD Consumer Reviews

My card was declined for a $20 purchase I went home and checked and realized, I did indeed pay on time, but I in error paid the wrong credit card company. I owed $191 and had $4800 of credit still available. Always paid on time before the mistake I made. I emailed them and pointed out it was disgusting to decline the card for one missed payment - especially in a pandemic where maybe the person is sick and cannot do their banking. Pointed out all my other payments were on time. They replied saying for privacy reasons call them, which I did. Customer service answered well that is the system. In summary, the Canadian Triangle card is an UNRELIABLE CARD. 1) to travel with, considering they decline the card, after one missed payment. 2) the card cannot be used for automatic payments, as you run the risk of all your auto payments declined because of one missed payment, either you could not afford the payment, or in my case, I made a stupid error.

It’s a complete nightmare whether your card will go through at a store or not. You can use the card dine once and a second store a few minutes later the card will decline. It picks and chooses at what your purchases are, and how much you can spend even with several thousand dollars credit available on your account. It is a complete joke. You can’t even log in to pay your bill and resetting your password! They never send you emails to correct this problem.

I made a few purchases in April, including having my car brakes installed, but the bill was quite high.

I paid off the balance of the brakes on April 26th and then I guess I made an additional purchase for around $60, but I honestly did not remember.

Saturday, June 24 I get a text message saying I have a balance outstanding. I pay $150 because I know I don't owe that much but I don't want this to continue accruing interest.

On June 26th, I call and find out my credit available is $0 (all I owe is $57.00). I explain I made a payment on June 24th, but she didn't care, it needs to be posted, can't do anything. I ask why the available credit is 0, she says the account is locked until I pay the balance in full. She says this happens after 2 statement periods without a payment.

Complaint 1 - I'm not sure how two statement periods could have elapsed if I paid on April 26th, and paid again on June 24th.

Complaint 2 - Any other bank or FI would call you after the first payment date is missed- CTFS does not make calls

Complaint 3 - The agent was uncaring, unsympathetic and argumentative.

As soon as my payment is applied, I will be calling them back to send back the credit and cancel the card. I refuse to deal with a company like this.

I was paid up, they locked my card, never applied for a $150 payment and refuse to answer. Complained numerous times get a chatbot for an answer. Even went to the ombudsman and they refuse to help.
I REFUSE to pay the bill, but can’t as I am locked out of my card.

DO NOT GET THIS CARD, YOU WILL REGRET IT!!

I was initially approved for a $1000 card limit. I got the card in the mail and was using it for over a week. I even made payments for over $500. A few days later, I checked my account to find out that my account was limited. I called in to find out that my account was closed after a second look. Instead of calling me or even lowering my credit, they cancelled my card without any notice. When I spoke to a representative, he said it was true what I was saying but was unable to do anything. I WILL NEVER GO BACK TO CANADIAN TIRE AGAIN. HORRIBLE SERVICES.