Canadian Tire Options MASTERCARD Consumer Reviews

Very upsetting, I only received my CT Mastercard a week ago, used it to get the promotional reward points they offered when you make a certain purchase after getting your new card, never used it after went to order something for my daughter for school, found out the card has a hold on it called found out they put a temporary hold on all new cards till you make your first payment and then its remove after two business days. I haven't even received a bill yet, and they call me consistently every day, I'm not in collects (only had the card a week), I still have a good chunk of credit available on my card, Makes me wonder if every time I use the card will they call me harassing me for payment. Really wish I had found this site before applying for this card.

25.9% interest is piracy, I would like to negotiate a better rate to help me pay off the balance. I didn't buy toys, I staved off homelessness while working full time this entire pandemic. I would appreciate at least the opportunity to seriously discuss a lowering of my rate to ensure I can pay you off in the most expedient manner. Let's talk.

I don’t know why anyone would get this card?
I was two days late on a payment and they cancelled my monthly subscriptions which totalled $40!
Also, make six figures and they won’t increase my limit?
PC Financial is an easy alternative and I will be closing 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.

I initially had a credit limit of $20,000. I also had several other cards with similar lines. After receiving a letter to use it or lose it, I called and they said I can make even a small purchase to keep the card active. I never heard of that before but OK, so I did. After that, they have every six months steadily decreased my limit from 20,000 to 15,000 to 10,000 to 5,000 and now $3,000. When I initially called about why they decreased my limit when I used the card, they were suddenly rude for no reason and claimed that they can do whatever they want out of the blue. It was a very strange call and my limits went down every six months ever since. Anyways, I am going to cancel it.