Presidents Choice Financial MASTERCARD Consumer Reviews

Canadians are known internationally as being savvy bankers. This card is the exception. It keeps rejecting my purchases despite being nowhere near my credit limit [their security algorithms are so paranoid my card is continually being rejected for small and large purchases alike despite my calling twice to ask them to fix this], their managers are only available during biz hours, which is ridiculous for troubleshooting purposes, and they don't call back when promised because they don't call back at all, the card's dashboard does not reflect what I see on my dashboard, and their Customer Service representatives don't listen. This card represents pure incompetence. It was a great card when PC banking existed. Now it's a small horror show. Thanks, PC Mastercard managers for ruining what was once a truly great Canadian product. This card is a time and energy sinkhole.

I used this card all the time and would pay it off as quickly as possible to avoid interest and penalties. In doing so I would use my card at mobile one stations to fill up with gas and then pay the card off as soon as I could. Because I payed off the card before they could charge me interest I stopped receiving points for gas. Any other purchase that was paid off fast I would not receive the points either. On top of that I had to work out what was going on myself because customer service never did tell me what was going on, only that they were looking into it. The card has sat in my desk since. I would not recommend this Card or PC financial.

Had this card less than a month, $260 owing on it with $1000 credit limit and already they have flagged the card asking for $100 to un-flag it. Paid $180 and still don't have use of the card, this card is dead to me. I liked the PC point idea but not at the cost of always having the card declined going back to my trustworthy Visa card.

These people are scammers. I overpaid my account with 17800 dollars and they told me that they are sending the cheque to me which till this date haven't recieved. Be aware of this company. They should be kicked out of Canada and MasterCard should take their privileges back from this company as it destroying their name as well around this country. These people are total thieves. I have filed a lawsuit of over a million dollar against this company for stealing my money. These guys are running their business by stealing someone's money on the land of law

I've had my PC Financial Mastercard for 10 years, however, after being sent a second new credit card in the last year (both times they said my prior card was compromised..? and a new one was issued) I can no longer use my PC points or see my PC Points balance. The issue began on May 7th, it is now June 6th and they still have not been able to correct the issue. I've called 3 times over this period. Each time was given the same answer and told that the issue will take 6-8 business days to fix. It's now been 23 business days and they still have not corrected the issue. What good is the credit card if I can't use and redeem the points, and what good is a credit card company that is incompetent and has proven unable to solve a problem within a timeline 3 times more than what their own expectation of resolution is. I will be signing up for a competing card and if the issue is finally solved, I'll redeem my points and cancel the card.

They provided new cards when old ones expired. Both mine and my wives were rejected on first attempted use. Called them up and went on-line was told I had to go in-store not use tap or slide and enter my pin 3 times to get accepted. When I said this seems a ridiculous procedure they said that was how the software was created. I tried it at a No Frills checkout and after all this, the card was still rejected. Luckily I had a Visa backup. The other people in line were not happy nor has I. Contacted their customer service again and after much running around was told change my password online and then follow the same procedure. Like a knob, I went in and the same thing happened. The clerk correctly said that his a moronic thing to ask a customer to do. I would cut the card up and go somewhere else. This was the best advice I received and what I did.

It's like they don't want you to be happy. Forget contacting them via email or website, they don't respond, so you have to call them. Explained to the first agent my problem, he transferred me, I waited another 15 minutes to get the worst agent. Maybe it's not his fault, it may be company policy. I could no longer log into my account and was told there was a flag on it, even though I had activated and used my card one. After the first time, I kept getting declined. The agent said they wanted me to send a copy of my driver's license and a utility bill in my name. NO! I have never had a CC give me this much trouble. Paid off the lousy card and closed my account. What a waste of time.

I have contacted the customer service department several times about not being able to access my account online. I was able to, in the beginning, however, after the change to their website I have not been able to. I called customer service they said - IT would review but never has been fixed. I always have to call to inquire on my balance, check payment dates, etc. My card is not delinquent and no reason this should not work! I am beyond angry at this point as spending a minimum of 7 mins to simply do a task that should be accessible online, seems very tedious

Mean, Unprofessional, unhelpful, bad customer service I have ever met. When I started with PC Financial they had a great Customer Service but now they are losing their Customer because they have bad Customer service and I am soon want to cancel with them and go with another and better financial

This company has pestered me to apply for their PC Financial MC. In an attempt to contact them for clarification of card features and application process when they sent me a pre-approval form, I was met with far more additional application hoops than originally indicated despite an impeccable record. I received multiple different answers from different customer service sources and honestly, there was so much lack of ability to follow up on my inquiries I requested no further communication from them. This was ignored and STILL, they repeatedly sent me junk mail. I have requested yet again to remove me from their contact. Absolutely a gong show. To anyone thinking of applying. Make sure you read ALL the fine print on this card as the rewards are far less than what it appears on their promo materials. Thankful I never got this card. Happy to continue on with my other products instead.