Presidents Choice Financial MASTERCARD Consumer Reviews

This past spring I was tight for money. I was waiting on my tax return but the person who did my taxes messed up and I had to wait an extra 3 weeks to get my refund. I called PC to let them know my situation and I was gonna pay off my card in full. They told me I had to make my minimum payment or they would put a hold on my card, make me pay it off in full then they would decide if I can keep it or not. What kind of policy is that? I told them I wanted to speak to someone, they told me their supervisor would get back to me in 5-7 business days. Also, they have an overdraft on your credit card... and if you don't pay it down before your next expected payment. They will charge you an extra 29 dollars on top of the interest. They don't tell you that. They are crooks. I'm getting rid of my card asap. Their customer service is so poor. Save yourself the headache and avoid it at all costs.

Their customer service quality dropped so much in the past few years that I'm thinking of closing the card at the cost of having a credit check at other banks and spending my time. I've been trying to set up a simple pre-authorized payment for 6 months now. I'm a banker myself so I understand how these things work. Also, the card stops working at the cash register. The additional card that I requested two months ago is not here. Horrible experiences. Noting but frustration.

Although I have been a customer for well over 15 years and have spent thousands of dollars through pc MasterCard, when my points were stolen I was told that it is my responsibility. I am told that it is the customer’s responsibility to know the card would get compromised. As a customer this is a large risk to bear hence I canceled my PC master card and optimum points.
Customer service is not focused on looking out for customers they just follow a checklist. They should be trained better.

The worst customer service I have ever seen! Waiting time is always over one hour. Never get a solution the first time...

I contacted PC Financial to claim hardship. I lost my job due to coved and have not worked for 3 years. I was unable to make my payments. The customer service rep signed me up for a program to lower my payments. That was 1 month ago. I received 6 phone calls today from the same collection agency regarding my PC MC account. My account was sent to collections despite my making the agreed payments.
Worst credit card company I've ever had to deal with.

This card temporarily ruined my life. The fact that I can't get a full transaction history to figure out why/how I'm carrying a balance is insane and seems borderline illegal. This is only listed in the statement, which can't be copied and pasted from to put in a spreadsheet. Certain cards can only see certain transactions, and all the transactions for cancelled cards are removed from the transaction history. Support is either non-existent or completely useless, but very much looking forward to going through the painful process to cancel this card.

After so many years as a loyal customer, it is disappointing to know that when times are rough this company is not loyal to their customer. Paying the full balance is all fine and dandy until you come into hardship. I have been hung up on and transferred to departments that have no idea why I am calling. You lose your PC points at their discretion. Very very disappointed and will not recommend this card to anyone.

After 4 days of having my MasterCard, I made a $208 charge and received a text to validate the charge. I sent "Valid" as requested and the response I received said to call a 1-800 number. I was on hold for 75 minutes then got hung up on in a transfer.
I found another number and sent emails to various PC Finance locations and got a call back within 5 minutes.
The trick is to email and receive a callback, it seems.

I recently called the call centre as I had a question regarding my card. After being transferred to a specialist, I was told that she didn’t have access to the information I requested. Each time I called I was given the same response. This person was going to transfer me to a supervisor then hung up. Very disgruntled. Time to cancel the card.

Presidents choice Mastercard:

The way customers get treated by customer service is blamed at the top. It’s July and my account has not been active since June 3rd.

There has been no notification Indicating an apparent suspension enlisting: over limit, do not go over, and respectfully I was 60 dollars to find this out on July 11th.

There is a reason why there is high turnover and low morale between customer service representatives and clients that work there. They state monthly. Statements that everyone reads big say nothing about the suspension.

If you want to sign up and get a free bag of cookies and be treated horrible sign up. Spend a lot of money online and the store earns PC points where you can buy peanuts and cracker jacks. The circus is alive and well! Thanks but no thanks