Presidents Choice Financial MASTERCARD Consumer Reviews

I applied online and got an instant email with congratulations and card will follow in 7–10 days. I continued to get emails to activate for extra savings at gas pumps and shoppers drug Mart. Three weeks later, I called and was on hold for 20 minutes. I was told that the card was canceled due to my credit. The representative said I could reapply in six months . I was pissed as I pay my bills on time. I called them again, next day and was told it was the cancelled due to the process???? I asked for an email explaining what I was told. The gentleman said they don’t do that. He was in the Philippines. I never got one email, phone call explaining this so-called process. What a disservice and fabricated process. Shame on President's Choice!!!

Worst card ever for everything! I have good credit and I had the card for 6 years with not a single missed or late payment, and I couldn’t get a limit increase from my $500 starting limit.
Customer service is awful too.

Although this company has an agreement with Shoppers Drug Mart and people are generally happy since they are getting points, any time there is a fraudelence in your account, the support is bare minimum.
I had a fraudulent charge on my account from a photo shop in NY where I haven't been since more than 15 years. When I complained to PC, they first refunded that amount, but then called me back when I was away for 3 weeks on vacation and then added that amount. Since then, this issue was not resolved. If I had these issues with another credit card company, like major banks, they would have been resolved long time ago. Finally, I took my complaint to the Ombudsman and waiting to hear a favorable solution.
I DO NOT RECOMMEND THIS CREDIT CARD TO ANYONE. ALL OTHER VISA CARDS OFFER POINTS OR REBATES. DON'T LEARN THE HARD WAY LIKE I DID!

They lowered my credit limit twice in the last 3 months yet I never missed a payment.
Their customer service is disgusting.
Do not bother with this card or any PC products for that matter.

I’ve had the most horrendous experience with PC financial credit cards. I’ve had the card for a few years and only wanted it for the points. The credit card gets you nowhere further with points although they promise the world.

Terrible experience #1:
Auto-payments from my primary account (different financial institution) had expired without me realizing it which meant I had missed 2 payments with my PC cc. Not one phone call, email, notification from PC Financial. I had randomly logged into credit karma and found out that I had missed the payments. That day, I had got a call from a third party to say that my account was going to collections. Not from PC financial. With no communication, they sent my account to collections. I have never missed a payment once prior to this.

Terrible Experience #2:

Once again, I signed into credit karma to see that my PC CC was under closed accounts. Upon spending 30 minutes waiting to speak with someone, apparently there was a request to close my account through a request to speak to a representative online. Never got a call. Never got a confirmation that my account had apparently been closed. Nothing. As I write this, I’m trying to put an offer in on a house and find out a huge amount of my credit amount had randomly been cancelled which can seriously mess with my pre-approval.

Just avoid this financial agency at all costs. It’s a true customer service nightmare.

More a headache the longer I have it. Every time I get an non native English speaker they tell me the charge is not fraudulent and send me to the dispute department. I did NOT make the charge! That is Fraud. After 8 phones calls I finally got an native English speaker in Disputes who fixed my problem, re issued me a new card and sent it back to fraud all done for them! and I got my $$ refunded

I have a dispute issue and same thing with non native speakers, they can NOT communicate, do not listen to what you say and do not do what they say. They claim my dispute is being cancelled due to inability to contact the seller, which is my problem. And told me they cant help me, do it yourself. Its obviously some kind of scam, as the minute I applied for a refund the agent when awol as well as my Credit Card company, whom is supposed to help me!

Terrible service!

Worst customer service, cannot get a phone call answered for hours! New card mailed and never received.

I’m sorry I don’t appreciate being put on hold for 25 minutes and then getting locked out of my account I would 100% not recommend this card

Just recently got rid of my annual fee World Elite BMO card in favour of the no fee World Elite PC card.
I've been using credit cards for everything as we live quite remote and rely on online shopping. Also I need a "large" card because I need to travel for work alot and require features like the included car insurance.
The PC card arrived in the mail with no problem. The issues started when we tried linking our existing PC account to this card. It just simply would not work. Also many time I did not get points a PC store as the cashiers don't know how to run this cards to give you the points. (They need to swipe them twice apparently).
The worst part was, that my new PC card become compromised after about three weeks of using it. Someone, somehow spent $3,000 before this fraud was detected by myself. I've received a fraud detection text message from PC after the damage had occurred. PC opened a fraud case and most of the money has been refunded except one larger charge. It has been over ten days and I still haven't received a new replacement card yet. Once this fraud case has been resolved I will most likely cancel this card and return to an annual fee BMO or RBC Mastercard.