Credit Card Reviews

Presidents Choice Financial MASTERCARD Consumer Reviews

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(412 reviews)
Presidents Choice Financial MASTERCARD
1.6 out of 5 stars:
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Decreased limit for no reason

by anderman on Nov 27, 2024
1 out of 5 stars

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.

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Suspended my card for no reason

by Debra on May 26, 2024
1 out of 5 stars

I have had my PC financial card for almost 3 years, NEVER missed a payment, perfect credit history, $2500 limit from the start.
PC called to offer me the PC insiders Elite card with annual fee of $120. I agreed to it
They did not ask to do a credit inquiry but the next thing i know i get a call telling me i was over the limit (due to their annual fee) and that they have suspended my card??
When i inquired as to why, they said there was something on my credit file that disqualifies me from the upgraded card and upon having a discussion with them they informed me that i would now need to pay the card out in full and they would have to prequalify me for a new card.
(I had a situation with telus that i was dealing with, unaware that they put me in collection)
* This had nothing to do with PC financial
* I wasn't asked to do a credit check for the upgraded card
* I have never missed a payment on my PC card
* I was put over the limit with their annual fee
This company is very sneaky and do a lot of things under the radar, i would NEVER recommend them.

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Great Card

by Aleks P on May 24, 2024
5 out of 5 stars

Honestly not sure why there are many complains on here about this card.
Great so far. I use it daily, pay it off always the same month. Started with a 2,000 limit, requested to raise and they did it no problem.

Lost my card one time not knowing I could do it on the app, and the lady on the phone was super helpful, took 5-10 minutes to help me.

Overall great card if you pay on time, if you can’t manage to remember to pay your credit cards, you shouldn’t have one.

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Tangerine World Mastercard®

Tangerine World Mastercard

Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard. 
What else will you get:

 

  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Mobile Device Insurance

Get this card / Apply online

Worst card ever

by Aaron Watson on Apr 19, 2024
1 out of 5 stars

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.

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I will never recommend this credit card to anybody.

by Hulya Oyman on Feb 21, 2024
1 out of 5 stars

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!

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They keep lowering my limit

by Ricardo on Feb 14, 2024
1 out of 5 stars

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.

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Tangerine World Mastercard®

Tangerine World Mastercard

Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard. 
What else will you get:

 

  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Mobile Device Insurance

Get this card / Apply online

Does Not Protect against FRAUD

by Ridiculous! on Jan 2, 2024
1 out of 5 stars

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!

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Not reliable

by Meisam09 on Oct 30, 2023
1 out of 5 stars

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.

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Tangerine World Mastercard®

Tangerine World Mastercard

Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard. 
What else will you get:

 

  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Mobile Device Insurance

Get this card / Apply online

Worst experience with dispute person

by Rosie on Oct 26, 2023
1 out of 5 stars

I was offered a vacation package that I saw in Mexico. I was stupid to believe all their lies. I realize this people are not honest, right away I call presidents choise to diapute the transaction. They told me because it was pending they cannot dispute it. So I waited. It was February when I signed a dispute form. But it seems like they are not doing any inventigation. I called many times and waitied for long call wait time. They said it takes 90 days to close this dispute. But it took till October. It took them 9 months and just to tell me I lost my dispute at the end. I will close all my accounts with this company. Their customer service is worst. They dont care about you, they didnt support my dispute even if I dont use any service of the merchant! And it took 9 long months for them to decide! Worst experience with this company. I will not deal with this people again!

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