Presidents Choice Financial MASTERCARD Consumer Reviews

1 month before Christmas, they decided to reduce my limit by $400. I worked hard to get money on my card so I could buy my kids Christmas presents. They told me that inactivity (been using it every month) credit bureau (my score has improved) and missed payment (never missed a 1) all could have a factor. But seeing as none of those factor into my credit card, they couldn't give me an answer. They cut my chat, so I couldn't respond to them. They never looked into anything, they just cut and paste generic answer. They don't even have someone who works there that understands what happened or why. All they would say is that is what the computer said.

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!!!

Have had this credit card on and off for over 15 years and I continues to be a pain! My card which is completely paid up continues to get declined for absolutely no reason. Call the customer service, wait for over 45 mins to be told it is my fault that the card is locked! Have to change my pin number for the 4th time! So sick of it! Don't bother with this card!

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!

The worst customer service I've ever experienced. I disputed a charge and submitted all supporting documentation - instead of a credit back to my card they processed a debit. So now I've paid for this twice and nobody seems to be able to reverse this.

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!

I canceled my account on 2018 with full balance has been paid. After years I realized they left $1 on my account and ruin my 4 years of credit history.

Used to be very easy and reliable master card to use. Customer service is horrible, wait on call for more than an hour and then your issue is not being resolved. Canceled my card!