Rogers Platinum MASTERCARD Consumer Reviews

Rogers Bank Credit Card seems to have pretty good benefit at a glance but there's a lot of hidden issues if you use it everywhere. You gain small cash back benefits by using it, but the troubles it causes later are not worth it. The truth is that Rogers Bank is not a real bank and they don't have the leverage other real banks have. For example, it's almost impossible for them to reverse the charges immediately after you complain about fraudulent charges on your credit card. You will have to go through a lengthy process of dispute(up to 90 days for a result) and even then you might not get the money back. I would definitely not recommend to use this credit card overseas or use it for any recurring billings. I also wouldn't recommend to have other authorized credit cards under your account with Rogers Bank credit card. It turns out that when they said the authorized credit card is cancelled, it's not really cancelled. When they send you a new card for upgrade, the old authorized credit cards become active again and all the old recurring charges, which you were not able to disable for various reasons, will come through again, even though they said that old authorized credit card was cancelled, and the new credit cards have completely different credit card numbers, the charges still will come through. Their customer service and dispute department representatives don't seem very knowledgeable about the services either. They were not really able to explain to me why the problem is happening, nor are they able to connect me with anyone who can help me resolve my issues with their service.

I've had the card now for three months. The card gets declined a lot. When travelling overseas, even though I informed them where I will be, one out of every three transactions gets declined (I travel a lot, and never had any trouble with any other card). The card has also been frozen twice by their fraud department with usage in Canada. Once is similar to one of the previous reviews (Apple store). I went to an Apple Store and tried to buy an iPad. Declined! Went home and called them, and they said there was a suspicious transaction (yes, it was me buying an iPad I told them!). They said it will remain frozen until they investigate. I asked, how long? And they said they have seen it take six months! However, after a week, they called me and said my card is okay to use again. The benefits of this card are good, but the most unreliable card I have ever seen. Carry a backup so you don't get stranded.