Credit Card Reviews
Canadian Tire Options MASTERCARD Consumer Reviews
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(73 reviews)
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Agent/rep attitude (5)
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Late payment fee / NSF (3)
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Security & Fraud Detection (6)
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Horrible customer service, rude and condescending when they are completely in the wrong. I'm consistently making payments online and in-store which makes the credit instantly available yet they randomly apply the payment to my balance any day they please. It shows up 1-7 business days after I’ve made it and however it's most beneficial to them. They never have a plausible answer and are always looking to get you off the phone as soon as possible. DO NOT get this card unless it is absolutely your only option.
Usually rude on the phone, high interest rates, don't work with you to get a lower interest rate when you have a zero balance. Do not get entrap with this card because you'll never be able to pay it down if you lose your job due to the high interest and penalties. If you going to get a MC or Visa go to the bank, not through stores. Say for example your bill says you owe 100.00 monthly payment and you put an 800.00 onto it. They will take off the 100.00 payment and 3-4 days later take another 50.00. I feel they are commenting on fraud.
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Canadian Tire’s customer service is excellent. I really appreciate their support and understanding during Covid-19 and their willingness to work with me during these difficult times. As awkward and uncomfortable as it was to discuss my financial situation, I never once felt judged.
I have been trying to connect with CTMC for a couple of weeks. I did get through. I shared I made a payment in full and wanted to ensure they know because it takes time through the bank. I was getting a lecture from this young woman about my payment date. I raised an eyebrow and asked: "Are you lecturing me? What is that?" Then she went back into a lecture. I cut her off and said: "Are you listening to me?" She says: "Yeah yeah you made a payment. WE DID NOT RECEIVE PAYMENT, you still owe us." I took a deep breath... I told her: "I would write a review." She became really nice and became understanding and polite. I just shook my head. I said: "Do you understand the call?" She says: "Absolutely, you are a valued customer." I say: "Thank you, goodbye" and hang up.
As a person with multiple accounts, I got the first NSF fee on the card so I called in for some help. Other banks are helpful in waiving the first fee but CT won't help no matter what. At one point the customer service shouted back at me". If you can pay for other bank's NSF fee why can't you pay for ours?". I was totally speechless. One of the most regretful credit cards I ever had in Canada.