President's Choice Financial Reviews

I had a transaction of $23.70 that was declined, I was wondering why, I was nervous thinking I was hacked or something. When I check my phone a message from the bank saying a transaction was declined because I exceeded the available limit. This is NOT true! I don't usually use this credit card so I know I've lots of available balance. Another thing the bank statement showed up late so I got charge because I paid late. I discussed this to customers agent and he just say sorry and hung up.

I've been a loyal PC Mastercard user for several years, typically enjoying a problem-free experience. However, on Oct 18th, a hiccup occurred. According to PC Financial, an issue with my card led them to block it and dispatch a replacement without any notification via email, phone, or text. I was in the dark for days about my card being deactivated, only discovering the change when my card got declined at a store about four days later. Despite my high credit rating and over two decades of spotless credit history, suddenly, my card was unusable. Reaching out to them, I learned that some flagged activity on my card prompted this action. Their lack of communication left me frustrated, and their response was a mere surprise that no one had informed me. It took a call to them to understand the situation; otherwise, I'd still be clueless about why my card wasn't working.

You cannot use your debit card at retailers unless they accept Mastercard as a method of payment. You cannot get cash back at any retailers because your card shows as a credit card purchase. If you need cash, real cash, you will have to use an ATM and good luck finding a PC Financial ATM, especially if it's after grocery store hours. In that case you will pay, big. If you go to a non PC ATM, you will be charged $3 for using their machine PLUS $2-$3 from PC. So, taking out $20 will cost you $25! That is a 25% fee! You should also be aware that cheques are not available on these accounts.

The app requires numerous steps when trying to pay for something. Usually requires multiple logins (when others are waiting behind you). All-in-all an abysmally design piece of garbage for which any self-respecting programmer should fall on his/her sword.

My wife and I have a PC Financial Mastercard. We were travelling in BC for most of the summer and when we came home around August 23rd, we noticed a new card (PC Financial Mastercard) was sent to her. Why?!? We checked our transactions and sure enough, there had been some fraudulent activity on our account (6 charges to hotels in London England that were of course not made by us as we were in BC).

I had a bad experience with PC Financial MC. When I tried to ask them to dispute the transaction, they were not helpful. They didn't care to resolve the problem that the customer has and the customer service agent talked rudely. I can't believe that they provide such a service like that when I have a problem disputing a transaction. I need the proof for the transaction that I made but the merchant can't give me that. The merchant said that it is not in their system, however, my credit card has been charged. So, I asked PC Financial to dispute it, so the merchant can give the proof of my purchase. Sadly, PC Financial said that it is not something they can dispute. They want me to deal with the merchant. I can say now, bye PC Financial. You are not recommended at all.

My card was unfortunately affected by fraudulent activity. I contacted customer service and a new card was scheduled to be sent. I did not receive the card for two months. I contacted customer service again and again was told that the card would be sent in the mail. In the end, a charge of $6.83 was on my account while I was awaiting the new card. I was planning on waiting till I received the new card. However, my account was instead suspended over the balance. Over $6.83. Without any notification. It is also very inconvenient to get ahold of any customer service agent. Be prepared to stay on hold for a good amount of time.

I signed up for a regular debit account. It was “approved” right in store and I started to receive emails to deposit into my account prior to even receiving my card. Luckily I didn’t. Got my card in the mail and tried to set everything up but I was unable to sign into my account. I spoke with 4 customer service representatives and was hung up on twice after waiting long periods. I got different information from all of them. One said they don’t know why my account was closed but a supervisor could for sure help me-hung up on. Another said I can’t open another account for 6 months now. And the last one told me that it was to do with my email address. The same email I used to open the account with a week prior and was receiving all the emails to deposit money into. Still have yet to speak to a supervisor, I don’t think PC Financial has any.

Received recently a PC Mastercard Elite and had major trouble activating it even though it was a replacement for an existing account. Customer support is terrible and the card was not working anywhere. This is not what I expected, so I made the effort (25 min on hold X 2 times) to cancel the card.

I called before I paid my full amount of my credit card balance, and they mentioned that I have to pay the number I did, and after that they suspended my account and then they charged me a daily interest rate, without mentioned before I paid my whole amount. Such a legal thiefs!!!!

I received card on June 29 as well as an email advising me to fund the account. I tried to activate the card I received and the account number was never there. I call them to mannerly activate the account only to be told the account was closed on June 30. When trying to speak to someone, I can't get a straight answer as why the account is closed without warning or explanation. I have set up the payroll banking info based on the knowledge that the account is up running. The whole process is total waste of my time and energy. This has led me to believe the product is absolute scam. I have "excellent" credit score. Should this incident affect my credit score, I will seek legal consultation. Meantime, I DO NOT recommend anyone to apply this account regardless how enticing the product may seem to be. For any financial institution, such behavior is totally unacceptable.

I have made multiple calls to PC Financials/Optimum points but no one answers to simple question why I am not getting points of PC Financials. Not only that, they are very rude and highly unprofessional in call. If you ask questions, they hung up or start yelling on you. This is very shameful behaviour of PC Financials, basically they know that the points system is in high demand so they don't care about its customer service. They on purpose have untrained people so customer don't call them again! This opinion is not after one call, but after multiple calls and multiple issues at various times.

No idea how this has any stars - an absolute joke of a Company. Applied for the PC Mastercard and received approval. No card for several weeks and so called them - they basically stated that I had actually been unapproved due to "process error". Asked why they hadn't contacted me to let me know was met with nothing more than a I don't know but basically ended up being human error. I spoke to this individual called Jesse who stated this happened all the time at the Company. Told me to reapply and should be able to get it approved. It wasn't. When asked why, they couldn't tell me but it didn't align with their lending policies, whatever that means. Honestly a joke of a Company - Loblaws must be bleeding money with these people running it.

I signed up with PC Financial to move our banking over to their 'Money' account. I already had a PC Mastercard. The experience was absolutely awful!! The website kept glitching, I tried everything and was unable to use my Money account. I couldn't transfer, fund it or anything. I tried different computers, clearing cookies, cache etc.

Worst banking experience of all time. Worst customer service. Longest wait times. Customer services reps cant do anything to help you. If you like waiting on hold for an hour just to be transferred to a voice-mail that never calls you back this bank is for you.

I have signed up for PC Money Account by thinking I will save some money on everyday groceries and it went well for 3-4 months then suddenly no points were getting added to my PC Optimum account out of my total expenses!! The sales person told me I will receive 10 points for spending 1 cent by using PC Money account in participation stores and I received it under "PC Money Account Spend Promo" for initial 3-4 months and then suddenly it disappeared. Now I am owing to PC Optimum a sum of 45000 points and I have already 2-3 cases open with PC Optimum department and 1 case under PC Money account department but so far no outcome. I have been calling 2 times every week to PC Optimum department and every single agent saying specialist/escalation team working on it!!

What seems like a value add with points to save on purchases becomes a nightmare if you EVER have to dispute a transaction or deal with fraud. The online method with a robot in chat is a neverending circle of nonsense, and finally a phone call. That was answered relatively soon, but even after contacting the merchant directly to verify the preauthorized order is Canceled, received email confirmation, etc... this is still not reversed, and PC states it can take up to 15 days, which is when we can proceed with a dispute if the charges are not reversed.

Do not get this card or even deal with President's Choice Financial at all. Customer Service is absolutely horrible and money just happens to go missing out of your money account and due to terrible customer service, you don’t get it back. They drag it out saying it’s because transactions are “pending” - but regardless the math does not add up. So many times I’ve had money just leave the account with no trace. More money gets deposited to the card than gets spent - yet it’s all gone. They are straight up thieves.

I had a PC Mastercard and PC Money Card - The money card was closed when I got the Mastercard - There was a credit in the account - They could not refund or etransfer out - Took 7 or 8 long phone calls, email and escalation - In the end I made a payment to my utility company once they re opened the account. Ok for Christmas I made a purchase around $3000, they flagged the account and locked my card out, no phone call, no email, no info at all - Called in after a few declined transactions, long hold time multiple phone calls - They canceled the card and put a hit on my credit score - All I got was sorry lost all my points... They said to re apply in 3 months, but I need to send in copies of my personal ID and personal banking records :(

After calling the Fraud department to report unauthorized issuance of balance protection plan on my credit card. Their process is to phone me back within 1 to 2 business days. When I am a victim of fraud who do they expect me to reply to a phone call and answer questions that could put me under further risk as anyone could impersonate their call. The process should be that they allow me to call them and then I trust which party I am calling, they can do the verification they need and then address my situation. When I asked to escalate to a manager, the reply I got that the manager will phone me back. So same story goes on.

I had an account for 2 years prior to this ridiculous incident and had a great report with them. My account was always in good standing! Last January I had lent a fellow mother $40 for formula. She paid me back the $40's via etransfer... Months later I go to use my card and boom account is locked so I call, sit on hold for 2.5 hrs, spoke to 6 different people before someone was able to have authority to transfer me to a supervisor. I'm told there is nothing I can do... like what? Then I find out the fellow mother was a victim of fraudulent activities regarding her bmo bank so because I had received a $ 40 email it was now frozen. I was evicted 2 times because my cheques were directly deposited and my income support worker would not put another bank on file because I could not get a closing account balance.

Someone hacked into my optimum account and was able to redeem points without a card. They did it with a phone. I wasn't made aware that you can redeem the points from a phone. And I'm sure many of their customers don't know that either. Absolutely horrible security. Can happen to anybody. Customer support does not care at all. They say someone will call, but they never do. All customer support can do is read a script. They're not actors. Also when points are redeemed, you are not sent any notification. Your transaction history can all be on one side of country and someone can redeem your points from the other side and customer support will think it makes sense.

Pull out your PC account!! Pull out your PC account!!! Not worth It!!! PC financial has the worst customer service!!! Promising clients and keep them hanging for almost a month. Always telling someone will call back and up to now no one calls!!! Nonsense supervisor in online or phone calls. I do suggest get rid of your supervisor if they can't even help clients!!!

One week after receiving my card, my account was locked due to a suspected fraudulent transaction. I was not allowed to confirm my transactions, review my account, or do anything to confirm the transactions -- the process and reasons were completely opaque. I was not contacted by the company, but only discovered this after waiting for a substantial time on hold with customer service.

This bank isn't quick to help you with purchases made on account when you expect fraud. They want you to deal with fraud issue on your own. A purchase was made to my account that I did not make. When I went to dispute the charge I was transferred to the fraud and place on hold for over an hour waiting to talk to someone. This shouldn't be.

I woke up this morning and both me and my spouse our account are both overdraft of 119 and his 412. We have been ripped off. I went through all my transactions and they have been taking money out of my account. I’m getting complete runaround. Do not deal with PC. I intended on getting a lawyer. I’m not paying that overdraft.

I opened a PC Financial bank account for the points originally. The worst experience of my life. Much like the other reviews I had a total of $500 in four months disappear from my account. Multiple calls to customer service, long wait times and still no resolution supervisors who don't return calls. No wonder they don't have a physical branch that you can access. The stress and frustration this company makes you feel is enough to wanna pull an Amber Heard on their desk.

How can you freeze my account for withdrawing money and after I confirm it was me? Then you say, "Well it takes 48 hours to unlock.." Here we are 6 days later and still no access to my finances or online banking... Spent hours on the phone waiting to speak to someone only for them to answer the call and then hangup several of times AND supervisors saying they will call me back and no one has. You guys are thieves and I hope you enjoy the letter you will receive from my lawyers, I will be paid out for every hour I go without being able to purchase food to eat or pay my automatic-payees, and the mental stress you have given me and my family. Enjoy!

TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore.

I have been a client of PC Financial for at least 20 years. They lost CIBC and switched me over to Simplii but I kept my Mastercard. This past year I attempted a purchase on my Mastercard that was quite large. They declined it until I called to validate the purchase. Done, easy peasy. They did it again. This is twice in less than a year after over 20 years of loyalty. I texted valid, did not unlock it. I called but the rep could not unlock it. I called back the next day and no reps could unlock my account. They froze my credit card and my banking account! I couldn’t even log into my account! I couldn’t access any money for gas or basic necessities! They told me 3-5 business days! Add in a weekend and that’s a week with no access to any money? Because a supervisor wasn’t available? That’s crazy!

My father passed away and had a World Elite Master Card with them. I have had to call them three times regarding the balance, each time I have waited 2 hours on hold. One rep told me that the balance was insured and no one (not even the estate) was responsible for paying the balance. I then received a balance owing letter in the mail and found out that what this rep told me was apparently incorrect.. I've had enough sadness and stress dealing with my father's death and being told I didn't have to worry about the balance and then being told I was, is incredibly unprofessional and stressful.

The online services like statement access were disrupted for 2 days. Called the customer service 4 times in two days due to urgency. Spend 4 hours on queue in total. Customer service representatives were helpless. I was told that services would resume the first day and then someone would call me on the second day but nothing happened. They just put me back in the to talk a specialist. Their services are so slow and the third party company that handles customer service couldn't be of any help. We can't reach the PC Financial directly either.

I signed up for a new PC Financial Mastercard and when I tried to link my Mastercard with a new PC Optimum card there was already a card linked to it automatically which did not belong to me or anyone I know. When I called the customer care, they had no clear response to my issue and would hung up after putting the call on hold. I have already called them more than 7 times and it's been approximately 3 weeks and they haven't been able to solve this issue. I HATE the PC Optimum Customer Service.

I’ve been with them for 5 yrs and it’s always 30min to an hour+ waiting time and issues don’t get resolved the first call so you have to call and wait AGAIN! I’m trying to cancel atm and I’m still waiting 1hr + and counting! I hate this company. So shady.

Sent 2 emails over the course of a month to address a balance inquiry with no reply. Finally attempted to call customer service (after I finally located a number to call) and spent over an hour on hold. Finally gave up and hung up. Not worth it. There are better programs out there.

It takes more than an hour to talk with someone. The security department, they don't care about you are as customer, they asked me 3 times to send them an approve ID and I sent it for 3 times. Now, already 2 weeks, I received my card but it's not activated and I have to wait for them for release. Note: I will cancel this credit card and never re.

MasterCard charged me a service account for transferring my auto payment to another bank account. 12 emails and 5 phone calls - Put on hold for over an hour just to be to disconnected. Worst company ever. My VISA was brilliant with my change and answered my call within minutes. My suggestion is to only use your VISA card. Katie 1, Wayne 2, Daphione 5, Michelle 1, Darryle 1 _ number of time these people sent me the same email, however they never called me to solve the problem.

I have been a customer for many years and never had any issues. This past year, it has almost been impossible to get help and resolve very simple issues. Every time I call, I am waiting for minimum 1 hour and 20 mins, the longest I waited was 2 hours and 33 minutes. This is not acceptable, especially for such simple things that I cannot get assistance with on the app or online. If the wait is going to be so long, they should put a system in place that allows customers to wait in queue and get a call when a customer service representative is ready.

After being a loyal customer for 20yrs I have to say I am done with PC Financial - with all of your services! I have lost complete confidence in trusting you with my financials and insurance needs, as it's absolutely impossible to get through to anyone on your end. I've literally been trying for weeks and at every attempt I am left on hold for hours, literally. I've emailed your ombudsperson and head of customer service - it's been a month and still no reply. Pandemic or not, this is absolutely unacceptable for a financial service company. Your competitors don't seem to have this issue. I will be moving all of my business to a provider who actually cares about their customers and appreciates their business. Clearly PC Financial does not.

If I could give zero stars I would. Customer service is terrible. I’ve gone 7 days without access to my own account and nobody helps. I wait hours on hold just to be told a supervisor will have to call me back but nobody ever calls. Did I mention I’ve only had this account one month. Most of the representatives want to help but the don’t know how and all they can do is offer to have somebody call me back. Their online messaging centre is no better after 6 days and many messages I finally get a reply telling me somebody will call me but once again the call never comes… I finally lodged a complaint with the BBB it’s probably the only way I’ll get my own money.

This is the worst customer service I have experienced. - More than one hour phone waiting line and it can be hung up automatically without any reasons. -Promised there would be a follow-up but they never did it. - I have called them seven times but I still haven't had my money refunded. Never get a PC MasterCard. It is a headache!

Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it canceled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2 hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never activated card and see no use for this product.

We have been customers for over 20 years and paid bills on time. Suddenly and arbitrarily our account was closed because of this company's "Policies" with no further explanation. After numerous phone calls, hours waiting, NO EXPLANATION IS GIVEN OR FORTHCOMING. If this is the way they treat their good customers, how do they treat the ones who are struggling financially? DO NOT BUY THEIR PRODUCTS.

They do not answer the phone. You cannot get ahold of customer service. I have been on hold over 2 hours a day every day during business hours. They downgraded me from black elite card I had for 10 years because I didn't spend $20,000 through it or something in a year. I'm even calling lost or stolen cards .. no pickup. They don't care. They don't have anyone answering phones. Beware.

Anna reviewed these thieves of time, patience, and our money. PLEASE OH PLEASE, take your voices to the people at Ottawactvnews. What President's Choice Financial is doing, using our money to further their position in the market place, must be ILLEGAL. GALEN WESTON is getting richer off the backs of little people like us. Shame on them.

WORST customer service. Drove an hour to a Pavilion. I am not able to create an online account. Like many others before me too many attempts to get a CSR on the phone. When I arrived at the store location....I was put on the phone. You cannot make any cash deposits to your money accounts. You cannot close the money account or the PC Mastercard account in person. I'm not even sure how I was approved for a 2,000 limit with a credit score lower than 600. I can't log in my account. I cannot get statements online, can't get service from an English speaking person. I didn't try to a French rep that might get you to a Canadian Rep.

I had to call PC financial to review my transactions. First of all, I had to wait for more than 1 hour and after I got connected, the guy told me that he will transfer me to another department just to review my transactions. It took am another 1 hour to talk to a customer services representative. What a worst customer service I ever had. They are indeed the worst people for their services.

Though applied for the Card, subsequently withdrew the application as I felt this card is not useful comparing to what I have. However, PC Financial send me a rejection letter saying that I did not qualify for the card. Emailed them that I did not ask for a Card as canceled my request. PC Financial has the worst customer service.

Like many before me, I am here to report how awful my experience with President's Choice credit card has been. I truly regret getting myself into this. However, I took it a step further and wrote to ottawanews@ctv.ca, and I strongly urge you all to join me. The more of us write, the more serious this becomes. I only used my card once, then they locked me out. I tried to call, and even if I waited, once I was through to a representative, the call dropped and nobody called me back. I then went to step two, emailing them and explaining that I have no more interest or need, that I want to shut down.

I am presently on hold, I have been on hold 4 times this week for over an hour each and no one has ever even picked up. Their online support takes two days to respond and asks you to please call in where you will be ignored. It is beyond frustrating trying to deal with this company. I would highly recommend avoiding them just in case you ever have to discuss anything with them.

Nothing but problems with PC Financial. Cut my credit card off saying my credit score was too low. It was 705. Higher than when I got the card. They were mad I wasn't using it often. That's all I can figure. I applied for Money Account and another Mastercard and they gave them to me. I've tried to call multiple times just to change email because they kept locking me out. Then more and more calls for more and more complaints and the wait times were never under an hour and the last time I just hung up after 2hrs. I'd like to close account but they won't answer. Avoid at all costs. Mastercard gives Optimum points which is nice but do not get sucked into Money Account and do not call them. Worst customer service ever!

I'd like to comment on the level of customer service that PC Financial provides to its customers. My main gripe is the lengthy wait time before speaking with a customer service representative. It's ridiculous that I had to wait on hold for over an hour to speak with a service representative. A company with "unlimited" funds should not treat its customers in this manner. The wait times are far too long. Then, when you finally get through, the quality of the phone call is abysmal. Your call centre (which is not located in North America) has poor reception and your call agents are difficult to understand and the dispute agents are rude. It's extremely inconvenient that you can't get your issue resolved immediately and that I had to resort to posting a negative review.

Incredibly uncaring, robotic, and fraudulent behavior. Ignorant, and non-responsive. I don't know who is responsible to supervise and oversee these financial companies and why any regulatory body is not monitoring their uni-lateral, un-competent, and chaotic practice!

My sister's account was closed without her being notified that it was going to be closed. That was on September 20th. It's October 15th and she still hasn't received her money from them. She is facing an eviction from her home because of this. She hasn't been able to pay bills or even purchase groceries!! Loblaws should be held accountable for the late payment fees because of their negligence. They are a horrible company!! PC Financial is a horrible bank!!!

Went through the million loopholes to get my card set up, and then accidentally missed the activation sticker on the card when it finally arrived. I’ve tried calling three times now (with one person on hold in front of me each time) and waited over an hour and a half without ever reaching a representative. There is NO OPTION to resolve this online, so the card is useless. Edit: finally got a representative, he put me through to an automated verification, the number input didn’t work, and it sent me all the way to the back of the waitlist again. Avoid this madness if you can!!!!

Amount due for Sept. which I paid of 3 times the amount due. Balance pending was not removed. Still shows amount due for Sept. Tried e-mail, tried phone and texting unavailable. NO RESPONSE. Absolutely horrible customer service.

Very bad idea to put your money, you can't take your money back when you need your money. Limited by 10000$ every month, no way to take your money fast, I call PC Financial. No way to take your money back.

Pay total card balance thru TD Easyweb, any questions go thru chatbot. Use customer service number as a last resort. I do not have a PC money account, and my td account is a line of credit. Thank you.

I called their customer support and waited 1 hr without being able to talk to a representative!! Very cheap company. They are not honest with billing. They tried to charge people interest by sending the bill later then the due date.

Incredibly incompetent, uncaring, robotic and fraudulent company. DO NOT give this "financial institution" a penny of your money. PC Financial accepted a direct deposit into a closed account and refused to allow me access to these funds.

There are something wrong with my account. I called PC, and hold for 72 minutes. Finally, a male staff answered the phone, I explained to him what is going on, and he investigated and let me to hold. But the line suddenly jumped to another customer service people, This lady is very impatient, she always break in my explanation, and insisted she can do nothing. The worst is she just hang on without solution. The whole process is really unpleasant. I cannot believe the customer service staff is so rude.

I called the 24/7 technical customer service number and was told I was the third person in line before my call would be answered. 3 hours I waited... And no one answered. So I hung up. If it's a 24/7 customer service line then calls should be answered?!?! I'm cancelling my account with this company. I don't recommend Pc financial to anyone. 1000000 THUMBS DOWN.

They haven't done it yet so maybe I shouldn't give them just a 1 but I did see on their website when I went into my account to get my balance owing... It was saying something about if World Elite cardholders don't charge at least $15,000 per year on the card starting soon I think... It will be downgraded to a reg. PC M/C... Seriously??? How can they take back a card that is in good standing. I probably charge about $10,000-$12,000 a year on the card & I pay it in full every month & if I don't increase my charges they will take it back??? The only extra on it is you get 3% back on purchases at Super Store & Shoppers & at the pumps there I think. Otherwise it is 1% everywhere else I believe... so that might be 3% on $200/month or less...the rest is 1%. Same as reg PC card. I can't believe they would do such a thing??

My experience is a negative one and had I read these reviews prior, I would have never applied for their credit card. I received the new card in the email, and upon trying to activate it online, got the restricted access message, locking me out. So I called the customer service number where after waiting just over an hour on hold was told by a hard to understand customer service rep that I could not activate my card because there was a security breach put on. She could not unlock my account either. I was told I would have to email my identification, etc, etc then call back. So, I promptly cancelled my card. Never activated it. Never had the chance to use it as a brand new customer. Based on my experience: Read the negative reviews. Stay away.

During Covid President's Choice decided to lower my credit card limit without telling me even though I have never missed or been late on a payment! They lowered my limit down to what I/O them! So when my new statement would come out I would have been charged over fees if I didn’t happen to go and look at my account first!

I have been a long-time PC Mastercard holder and was happy to get some free food after making purchases and paying bills with my PC Mastercard. But then things changed. I signed up for automatic credit card bill payments at the end of the month and signed up for text alerts whenever a purchase was made. What I got was random texts for mostly small purchases under $50, and next to no texts for larger purchases, including two large unauthorized purchases for hacking software. I then went to dispute the charges, and it took over 3 weeks for the charges to come off. That was the least of my problems. My full balances were not paid at the end of the month, as I had signed up for. Instead, a large amount was left on, which would then accumulate interest if not manually paid by me, so I had to log on and pay the remaining balance.

I have been with PC since it started (20+ years), then they changed their name to Simplii. My PC elite card was pulled because I was not spending enough money during last year (Covid & lockdowns!!!) & their features are not as good as my other cards - that's why I use my other cards more often. I had never agreed to downgraded my card nor wanted to be subjected to all the new requirements. Since it only can collect PC points, they want me to spend over 25k per year to get it back. Do you really think your card is that special? All we talk about is PC points not gold here. What a joke. I will simply spend the remaining 2k in points at Loblaws and not use this card again.

:ike all the reviews it's true, they dont like people, I think they are in financial despair, you dont take away credit from people who pay their bills, it happened to me 3 times on the same account, once it is paid they are gone from my life, stores, gas, etc. Points are worthless anyways.

Had a PC Financial Mastercard for 7 years now, used regularly and had regular limit increases without even asking. Never missed payments, always paid more than the minimum balance and they were making between $25 - $45 in interest off my most months!! Last month I signed up for PC Insider program and started to use the card more at Superstore, Esso and Shoppers so I'd get more points, earned about $120 in points in 1 month and all of a sudden I try to pay for an online PC Express order and the card is declined because they lowered my limit without notice.

PC Financial is the worst account I have had in all my 49 years of banking. I am horrified at the lack of English speaking customer service staff. It is impossible to get decent service. I opened a saving and checking account. I transferred $900.00 on January 30, 2021. I forgot about the checking account and found out PC Financial closed it after 60 days. The $900.00 that I transferred was lost. I phoned PC Financial service to inquire why the $900.00 was not deposited. I was told it would be deposited in the account within the next hours. WRONG.

I had a $19,000 credit limit a week ago. I did an online request to transfer an $8,000 balance from another credit card to this account which had $6,000 owing. I got a call from a PC Financial security specialist confirming that I made the request a couple of days ago. Today, I went to buy breakfast and my PC credit card was declined. I phoned and found out that they had accepted my balance transfer but lowered my credit limit to $7,500 without notification. The supervisors could not be found - maybe still in bed or vacationing in Mexico. So essentially the card is useless to use for PC points.

Terrible experience applying for a M/C - I was sent a card with an approval letter. When I tried to activate it...the account was closed!!! Customer service was useless and their troubleshooting provided zero concrete solutions. Beware of their scam to offer $100 with your first purchase - I regret having given PC Financial any of my personal info. Terrible experience and would never do business with them.

If you want to sign up for the PC money account, the points are good, but that is the only good thing I have found. There are no cheques. There is not a proper PAD form. You cannot deposit cash into this account through their bank machines. You can only withdraw cash. Tried to set up pre-authorized debit for my ICBC car insurance and ICBC does not even recognize them as a bank so the debits will not come out of my account even though there is money in the account. You still have to have another bank account.

I have Master Elite World PC credit card. I have never been late with any payment to anybody since I was born. I have been a customer of PC for over 2 years, never missed any payment, always kept credit limit in good standing. Paid much more than miminum shown. They cut my limit out of the blue from 2500 to 1500 in October 2020. I called and I was told they reviewed my credits. They cut again my limit to 1000 in November without any reason, no call, as in October out of the blue. You can notice once your transaction is declined during purchase. Do not advise to make any business with PC Financial. Bunch of unrespectful losers.

I have had the worst experience with my PC Money Account and the people who represent them. I have had to call them 5 days in a row and at least twice each day because I would get money into my account to pay bills, and I'd look at my account 30 minutes later and $50 is taken off my account with no record of transaction. Money just magically disappears? Then I'm told that money would reflect back onto my account by Monday, it's now Wednesday and I have yet to see that money reflect back onto my account.

I paid for my yearly insurance, >$1500. Then 6 days later they called me and told me they cancelled my insurance. Had to call 3 times to get my money mailed back. I still don't have it back. They have so many staff and no one knows what they are doing.

I would like to tell everyone to be mindful of this company that they provide very consumer service. I have had a card with these people for a number of years and now for no reason they have decreased my limit. Very embarrassing when you think that you have room on your card and it is declined. I am cutting up my card and sending it back to them. Perhaps they should stick to selling groceries and not enter into the financial services which they know nothing about. Oh and their food product quality has greatly decreased. Walmart is better and cheaper. Honestly these guys really suck!!! there are a lot better places who will bend over backwards to earn your business. Shame on you President's Choice Financial services for misleading consumers.

I have been a loyal credit card holder for over 10 years. Now without warning my limit got decreased. When I asked I got a “reviewed your credit....” canned email which they probably send to everyone. The reduction was uncalled for as I have excellent credit with them and my other creditors. Nice way to lose customers.

The "No Fee" banking is what really attracted me to sign up with PC for the Money Account - along with the points admittedly. I've been a banking customer for about a month. I made the mistake of setting up my direct deposit for my weekly payroll to this account. Only once did it make it in on a Thursday (regular pay day). I had e-transferred to my TD account several times without issue. I sent an e-transfer to my sister; 48hr later and she still hadn't received it.

Tried to apply online as I do not have any store where I am living, when I get approval letter I went to Winnipeg which is 100km far to get my id verification. I get know about good deal on applying in store, call customers and talk with supervisor but they just not want to help me out with that. They just say they can not help me with. Very disappointed with these. Will not suggest anyone to get it. So rude of them.

Got an email from from PCF saying they are going to suspend and cancel my account because I went near the limit of the card. I had this account for nearly 3 years now and then they decided to go and cancel the account and send me the final bill for the account. The cc company is spying on my use of the account without my knowledge, so they terminated the account and will be sent to collections department. Never again am I getting another card from them. I recommend staying away from this crooked company.

I would start by saying I recently (Under a year) got a PC Financial World Elite MasterCard. I noticed for cash backs, it definitely not a good card. The interest and fees are excessive to say the least but that’s not even the issue. During Covid 19 pandemic, we received correspondence from the company to state if we need to defer any payments, we can, however interest and charges are still been accumulated. I went ahead and request a deferment, unbeknownst to me, this put my account in “not good standing” and when I recently asked for a credit limit increase, I was refused. I fail to see how you offer a service and when that service is accepted by the client, you penalise them.

I've had a card for roughly 6 years. I kept it low, had a health crisis and maxed it out. I've always tried to pay more than the minimum and never missed a payment. They keep finding reasons to raise my minimum and my balance has gone up over 1000 more than my max. If that wasn't bad enough, they harass me constantly for payments even though I have never failed to make one every month. I'd say avoid at all costs, their service is terrible and they're deeply dishonest. You ask for help to figure out how to reduce it and they just tack on more penalties and fees.

I've had the PC MasterCard for over 10 years. My wife and I both have a card and use it like a bank card, making sure to pay the entire balance on time each month. We've never done the calculations, but we feel the amount of free groceries (there are other options to use your points but groceries are the most convenient for us) we receive far outweighs any benefit we have earned from other credit cards - including a TD Aeroplan card that we pay $150 a year for (but not for much longer). We've had a couple of issues with customer service but no worse (and I would suggest better) than any other card I've had.

I am still dealing with a situation that apparently Customer Service has no idea how to solve except for giving me wrong information call after call...and by the way different answer to the same question every time I'm calling in. Not to mention that if you will mention that you are not in front of your computer you will be given info that makes no sense or have no logic. (Ex: I was asked if I applied for a balance transfer at the time I applied for a card - how would I be able to do this if I have no idea if I am approved and what is the card 16 digits #..)

Started off with a credit limit of 7800, kept a high balance for maybe 10 months but always paid more than the minimum every month. Then I paid 5000$ payment and they reduced my limit 5000$ hurting my credit score. This company is the worst to deal with, I could not get online for 6 months due to a upgrade process that was all to their lack of programming skills. Do yourself a big favor, stay away, you don't need these **.

I signed up for the PC Mastercard when they had a deal that you would get 75,000 points upon sign up. When I received my card, no points.. A few weeks later still no points. I called customer service and all they know how to say is "sorry. my apologies, so sorry" then they said it takes a few weeks for the points to go into your account. Where was this information when I signed up? Another week goes by... I get 20,000 of those points. At that point I emailed them and again "so sorry, my apologies, sorry, the remainder of the points will come in 4- 6 weeks" and proceed to ask if I have any further questions. I emailed them back with several questions.. And got no response back. I Will soon be cancelling.

I applied to for a PC MasterCard from President's Choice Financial recently and the experience was extremely poor. It didn't take long to apply, but when requested documents were set to help prove my credit rating was good (it's excellent by the way) the documents were ignored three times and representative who continue to call asking for the same documents. Eventually I went into a store to deal with the situation only to find that PC Financial closed the application out. The store representatives then helped to start the application again and a week later I get a letter indicating I can't apply for a card while the initial application is being processed (though it was actually cancelled by PC Financial).

I had a PC Mastercard for over 20 years. ALWAYS paid up in full and on time. I had a good credit rating and was a loyal customer. I asked to change my address temporarily while moving provinces. They agreed. The next thing I know my account was closed without any notification at all. They cannot re-open apparently. They cannot pay me back for my points. Why? Because the reason stated for account closure is "unknown".

I've had PC MasterCard for a few years and been pretty ok with it till now: worst customer service ever! I had paid an installment more than the minimum payment due, and 12 days before the due date as well. I had called previously to announce that I would be paying this amount on this day. When I checked online banking I saw that even if the balance was less than the credit limit by exactly the amount I had paid, there was still an available credit of $0.00.

It took me over 30 minutes to log into my online account because they implemented a verification system that was unable to email me, text me OR call me with the 8 digit code just to review my credit card transactions.... Seriously banks don't have this kind of hassle to review your account transaction or statements. The new updated website might look prettier but totally stupid and not necessary, as the old one was perfectly fine!

The annual fee on my favourite credit card increased so I decided to shop around for another reward card without an annual fee. A friend told me about the PC Financial Mastercard. Let me say this....YOU ALWAYS GET WHAT YOU PAY FOR! I have had issues with charges to my account, lack of service, (4 calls and still no credit to my account for unauthorized charges after 5 weeks), I cannot consistently review my account, and am constantly changing my password. I am now very wary and always worried about this card, security protocols and total lack of customer service. I keep checking my app but can't get in. I'm going back to a very more business savvy and sophisticated credit card culture with my bank. Yes, they charge more but it is worth it. Hey, I like save money on groceries but I didn't because I can't get my money back from these guys! Worst credit card experience ever.

The company states that you will get/earn 2x the regular PC Optimum points per dollar when you pay your premium with your PC Financial Mastercard® redeemable towards free groceries, beauty, and more**. I have had insurance for over 3 years and they only award me 1X that is 10 points for every $ and I still pay with the PCF MasterCard which is the requirement. The first year after several emails they finally gave me for the full year around 60000 points then they said next year you will get it automatically at the end of the year's premium period. Guess what? Never happened so again emails were sent and after 4 months was given my points.

New renewal card shows up in mail. Try to activate told it's blocked. Called in to be told they had information from a retailer report so, "We blocked card. Told there was no information breach but are sending you a new card with a different number". So they forgot to inform me that my card blocked. The only way I found out was my renewal card. Then I see pending transaction from a company I do not deal with. Something smells... Call center just talked around the issue. Asked to escalate. Told no supervisor to take call. Asked call back which I was told would happen. I am still waiting feel like PC may be trying to cover up data breach.

Since I got my World elite card, to this day (7 months later) the company has been unable to link to my PC points card. When trying to get it resolved, I continually get transferred back and forth between the financial and PC optimum department. I have now called minimally 7 times, have multiple case numbers open, with no resolution or follow-up. On my last call, I asked for a time frame for PC Financial resolving my issue, and they said they cannot provide a timeframe. Even if the card is a 0 annual fee, I would not recommend to anyone. The process of dealing with customer service has taken hours of my time with no resolution. Clearly limited to no training has been provided to PC Financial. The absolute WORST customer service I have ever dealt with.

I was scammed by an online merchant that made multiple fraudulent deductions from my PC MC and did a horrible bait-and-switch on the item ordered. First, customer service refused to proceed with investigations on the merchant until after 30 days after the fraud was reported. Then they asked for onerous dispute documentation, which I complied with. Now they want an independent merchant to certify that the chalk that arrived isn't cheese I ordered. Why do I get the feeling, having spent literally hours trying to resolve the situation by phone, they're playing for time and averting responsibility for purchase protection in an obvious fraud case? Why do I feel victimized twice? Despite their advertisement of purchase protection, PC MasterCard doesn't seem the same as TD Visa or Scotiabank. I don't even know my rights anymore after this experience!

My pc credit limit was decease without notification and it is not stated in company policy. I called a supervisor and only thing she could say it just happened like that. This company had the worst customer service and don’t have care about their customer.

I have called six times to try and get it straightened out. It won't link to my regular points card. I never got any points for signing up or when I use the card in the store because it shows that I am not using the card which I have been for months and paying the bill online. Every time I called up they will make a note to get it fixed but that never happens. I will keep it for another month and then get rid of it and just rely on my points card for points. Sorry PC but this card sucks and I think two months gave you enough time to fix the problem. One star is still too high.

They have the worst customer service ever. I have spent too much waiting for them to answer and there's no notice or voice recording how long one has to wait, plus the agent has put me on hold too many times and far too long. They seemed to be so disorganized as when the agent told me a supervisor will get back to me in two hours, two hours have gone and no one ever called. It's been more than 30 hours now and no call was ever received. This is unacceptable. I would fire them if I were you as it shows that they're damaging the company's image by not providing customer service to the clients as they're expected to.

My Optimum and PC MasterCard cannot be linked. I have been dealing with escalation (Elizabeth) to be exact. After numerous calls and disconnects I finally got through to Elizabeth in escalation. She basically promised me she would straighten everything out. Now she won’t even return my calls. I called last Thursday and was told my name was in the cue and Elizabeth would definitely call me back that day. It’s Monday evening and Elizabeth has failed drastically. They owe me 100,000 points. When received I will use then tell them to stuff their card. Don’t waste your time on this card.

President's Choice is a very good choice when it comes to groceries in Canada. Unfortunately, we opted to enroll with their Mastercard as there was a discount at their gas pump and points for purchasing groceries. They do not sell gas anymore. Since we shop at Costco we elected to keep the card. Loblaw's should keep to selling produce, but, not provide financial services.

The credit card itself has definitely nice perks, but their online and app platform is absolutely horrible. I cannot access the app half the time, and get locked out. Not because I forgot the password, something seems to be constantly being updated. And now I have not been able to see my transactions for 2 weeks. Finally when I did get the access, my app seems to be missing 8 days in transactions. How is that even possible?! Apparently this is caused by delays related to launch of new website. Although, in the past with old website there a lag in transactions as well, which for a consumer equates to consistent overspending because you assume that spent less than you actually did, obviously works great for the credit card company.

Yesterday I changed my password for the umpteenth time in the last 18 months. All I do is change passwords. What the hell is so valuable in this site that security is more important than customer service. I have less hassle accessing my 2 bank accounts online than I do trying to see the purchases on this $1500 credit card. I'm ready to cut this card up and never shop Loblaws or Shoppers again.

I recently applied for this card. Was surprised when I got a voicemail to contact them about my application. I have an excellent credit rating and significant financial assets. When called the number and spoke to the customer service rep she was terrible. She couldn’t follow me spelling out my name or providing my phone number (and I have a generic Cdn accent). She seemed very confused and I ultimately asked to speak to her supervisor. Turns out they wanted me to send documentation to substantiate my identity. However, they wanted it sent by Email!!! Given the risk of identity theft, I asked if I could present it in person or if they had a secure portal. Nope. Email, mail or Fax. All of which are not secure. In 40 years as a credit card holder I have never been asked to do this. I asked them to cancel the application.

I overpaid on my credit cards as I knew I would be making purchases, the company charged me interest on my money even though my balance was zero, and my money in the bank for future purchases. Without knowing it the company started charging 25.99 % interest. Everyone else is charged 19.99 % interest. If you do happen to go over your limit be prepared to be charged a fee and or be charged more interest as well.

Love going to shop for groceries and realize at checkout time I can get $20 off my grocery bill because of all the points I quickly saved up with my PC Mastercard. I use it for all my purchases now. And no annual fee. Bonus. Unlike the Costco Capital One Mastercard that I used to have which charges $120 a year for membership. No thanks. Thus far, I have had zero issues with this card.

Don't recommend this card because I had a credit limit of $20,000 and due to missing one $200 and change payment they reduced it $5,000. If you like stability you will go for someone else than PC Financial. I am very frustrated since I use that card quite frequently and I quite often go up to to the 19000 and then reducing it to 15000 is just very frustrating and it makes me never want to do business with them again. I did not think I've been a bad customer. Just missed one payment once and the whole entire time I had that card which has been for about 9 to 10 years. I would leave a zero-star if I could right now and since that isn't an option I will do the next lowest option.

I wanted to give a 0 star but it wouldn't me. I have been trying to access my account statements for past 4 to 5 years. Their contract says I can view up to 7 years but they only give me access to 24 months. They want $10 per statement to send print copies and have the nerve to tell me it is in the agreement I "signed" when I joined paperless statements. I can read and it says 7 years.

I've actually had this card for years. I rarely use it - I keep it in a drawer. About once a year or so, I'll have reason to use it and will be declined for "unusual activity" or the transaction will go through and I'll be contacted out of the blue by their loss prevention team and have to jump through hoops just to get the card going again. I rarely miss paying off the card on time, but when I do with this card, the interest rates are usurious. And if the customer service were actually non-existent, it would be better than it is now. It's easily the worst customer service I have ever encountered anywhere. Just now, I called and asked how to change the PIN on my credit card. After asking me why I wanted to do that (none of his business) he point-blank refused to answer the question until I gave him my card number and ran through the security questions. When I refused to do that and asked to speak to his Manager, he hung up on me.

New website - horrible. I don't understand the need to redesign their website. Was a tabular format "too confusing" for the majority of users? Was copying and pasting directly from the website not something they want users to be able to do? Was downloading transactions in formats other software might understand a burden to their systems? I feel like I'm looking at dashboard designed for school-aged children. At the very least, I should have had a choice whether to use the new interface, or stay on the old design - which allowed me to actually keep track of my expenses.

On Apr 30, 2019 couldn't get to main sign in, immediately on home page message (https://secure.pcfinancial.ca/login): "Oops, something went wrong on our end. Please try again later or contact customer care and reference the error code below:" First time there was bunch of numbers and letters, but later nothing. Tried on Smartphone and notebook, browsers Mozilla Firefox and IE (v11) and Google - the same (it worked before). Called, she reports it to other dept. and wrote down all error numbers and I should try tomorrow... not acceptable, I am right now in hotel on other continent and need to see all my payments and balances, if they are correct.

Nine months after canceling my credit card I received a bill in the mail with interest. Even after cancelling my card PC Financial MasterCard allowed a transaction to occur. After calling them to inquire they insisted this was my fault. It baffles me that these crooks will allow a transaction to occur even after cancelling. I guess they are desperate for business. Be careful if you choose to sign up. It is a never ending terrible experience. You would likely have a better experience with a loan shark.

PC went from being my favorite bank to the most hated by ALL! It's just gone down the hill quickly after they switched to the new web design. Logging in is painful and frustrating, page layout is not user-friendly, transactions missing, what the hell!?? And now their website is not even working AT ALL!!! I am DONE with PC Financial! Obviously their customers' satisfaction means nothing to them, they don't listen and they don't care :(… This will be my last bill to pay with them. BYE BYE PC Financial!

The card would not work after activation. I avoid the website so called MC. After endless recordings, promotional bs and glitches, finally got a person. I'm keeping my old PIN, but learned that to do so, I had to choose "new PIN" not "use existing PIN". And that on next use I'll need to keep it inserted and re-enter PIN a third time after it has been rejected twice and I see "remove card". Great customer disservice. I told the person I wanted a call back from someone about my complaint and was told that won't happen. At the very least, maybe someone will find reading this useful.

I'm canceling my card. I've never found it easy to access online banking with this card, and it's frankly unacceptable. Clearly no one cares or the problem would have been fixed. Bye bye PC Mastercard.

Whoever approve their website to be updated like that doesn't even know how to access bank accounts online. It's very bad, everything was good before. I'm always checking my balance and transaction online but their new website is the most difficult, not friendly user website I've been to. If only this was not affiliated with Shoppers Drug Mart I would have deactivated my account.

I have had a PC Financial Mastercard for over two months now and have never been able to access my online account. Customer service can offer nothing more than to tell me to just keep trying to log in week after week, for months now. Customer service has also submitted numerous (probably around 5-8 at this point) requests for IT to look into my account and this has been entirely inconsequential. If I had to guess, it seems that PC outsourced their new website to a profoundly incompetent IT company (probably due to the cost savings) and is now paying the price (as are their customers).

Since early January, 2019 I have been unable to get online with PC Financial Mastercard. I have been in contact with Customer Service on eleven (11) occasions and have not got any satisfaction whatsoever. They keep telling they will forward my problem to IT and to try again in a couple weeks. The last contact was on March 26th, so I will wait the couple of weeks and try again, but I know it will be the same disappointment of nothing happening. Canceling card!

My Name is Andrew, I had a charge that was clearly fraud from BET365 200.00 . I called PC and they said call the company. Frustrated I had to go through this I Did. Company had no record of the charges and couldn't help me. I contacted PC 3 occasions by email. They couldn't help. Them a 150 charge with no info other than NAAN. No number. Nothing and they said couldn't help me. I had to contact company. There isn't even a number posted. I called and a 94 min wait time.

Loblaws now owns Shoppers Drug Mart store and the service as all Loblaws stores has become worse. On Sunday March 24, 2019, I was in the Mississauga Shoppers Drug Mart Store On Hurontario and Dundas. I was just trying to shop when some man sneaked up behind me... and startled me. Before I knew it, he starts talking about signing up for PC Financial Mastercard.

Everything was good until the new website came about. Transactions weren't posting correctly. Everything was kind of mixed up and statements weren't being emailed out on the proper dates... Arriving late and such. Minimum payments weren't being adjusted properly and sequentially. When I called customer support they do not seem to understand. They just look at the numbers there and they don't think rationally. Apparently any transaction we do, we should think of it as happening 4 days later, so if your bill is due on the 20th and you pay it through online banking on the 19th...forget about it. They'll treat it as a past due amount and then not count the money that you just paid towards your minimum and try to get it out of your on the next bill as a passed due amount. These are the problems I'm facing because of transactions not posting properly. This all started with the new website.

Last week I spent 40 minutes on the phone with P/C Financial. I listened to the whole phone spiel 3 times, 2 times I was disconnected. Finally got everything straightened out, new password and I logged in. Today I tried to log in and to my surprise I got OOPs Invalid entry. I swear to God it would be easier to break into Fort Knox.

I have had my World MasterCard since early 2017. Opened at a whopping $500 credit line. They increased it to $2500. Then to $6500, respectively, over this time. I asked them once more to increase it to $10000. After a lengthy process, they declined. No explanation. 700’s credit score, all my balances paid in full every cycle, no late payments, etc. I called BMO MasterCard right after (for an account I have only had 6 months) and they increased it from $5000 to $10000 no questions asked. To keep my ratios in-line, I then called PC back and lowered theirs from $6500 to $1000. Will no longer be using that account unless I shop for small grocery orders in those stores. The overall experience for me with them is poor- much like other reviews I am reading in this forum. It’s better to stick to the BIG banks for these kind of reward cards. Don’t be fooled. PC seems a bit shady in my opinion! Thanks for reading. :)

Someone called me saying he was from PC Financial Credit Card Fraud dept. and talked me into a 30 day trial period. It was $19.95 per month and I could cancel anytime before the 30 days and would not be charged. It has been over a month and have still not heard from them since. Nothing in the mail and no e-mails. The number that called me was 1-416-855-8111.

This is disturbing with these people. This is the 21st century and cannot view our statements online, no direct access to tech guys like every other credit card company. All they say, "We are going to write them an email," three weeks later still waiting, no action. Who does that in this day in age. This is a company with money and this is the best they can offer. So we blindly spend money, and either wait for a paper statement or get on the phone each time. Real BS.

Before the new website I loved my PC MasterCard! BUT ever since the new website, I have been unable to access my account. I have spent a half hour each time (six times!) with a rep and we go through the hoops and I could only access it once. I have no other choice but to cancel my card because I don't want my credit score to go down if I can't see my account details to pay my bills on time and secondly I can't monitor my account to see if there are unauthorized charges on it. If they get smart enough to finally figure out that it's a screwed up system that's going to cost them their customer base and make some necessary changes, then I might go back to them but I certainly wouldn't recommend anyone getting involved with PC Financial right now.

I have been with PC MasterCard for at least 30 years. I have had no problems with it before this new website. I have to phone EVERY single time to get in... I have changed my password so many times that I have a notebook of new ones to remember. I was told to empty my cache and cookies which I have also done several times. I am so frustrated for this massive inconvenience. As well when the website finally opens for me. The format is not as user friendly as the old one. I'm afraid I'm going to have to cancel my card.

I generally have no problem getting my offers points or in-store points, but I'm having a nightmare of a time getting the points by using Mastercard. With this card I am supposed to get 10 points per dollar everywhere and 30 points per dollar for places like Zehrs and Loblaws, etc. I spend $2000 to $3000 a month and pay the card off every month but I rarely find the points for using the card. On the points statement they are called PC Financial Earn. After dozens and dozens of emails and several phone calls the response is mostly the same. "Read our fact sheet!" And it takes two to three days or four to six days. And the real kicker is now they want PICTURES of my Zehrs receipts!!

I have tried several times to log into the new site. Keep getting caught in the loop to update information. Contacted them by email with no response. Will be paying off the card and switching all automatic payments over to another card and then cancelling the card. Very poor customer service in a time where they should be looking after good customers with good credit.

1st issue- I was charged by some company in China $65. I went to dispute it with PC Mastercard. They told me I would have to wait 60 days to dispute it. Long story short, I never got my money. 2nd issue- I cancelled my card after the 1st issue (Oct 2018), in Jan 2019 I was refunded by Amazon to this card. PC MasterCard never contacted me or sent me a refund. I am in a long process of trying to get my money back from them.

Been happy with this card until this new site design, which is awful to use, and won't work any longer with my budget software (Mint). Kind of frustrating to change, and now I'm looking for a new card.

This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting run around in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail.

I have had PCFinancial MC for many years. PROS: Good point rewards. No Complaints there. CONS: This card is NOT accepted everywhere, particularly at Asian Airports. My account at Amazon was hacked with fraudulent Charges appearing on my statement. PCFinancial was notified immediately and they promised to fix it. Two month later I received a letter stating: "After a thorough review the President's Choice Financial MasterCard and Fraud Investigation Department has determined that the transaction(s) claimed as fraudulent were either made by you, your authorized cardholder(s) or another person known to you and/or you have failed to cooperate with the investigation".

Have two computers side by side - with one I can get to my account OK, but the other one (laptop computer) cannot. And I used 1 before. Spent on helpline many hours, called support but to no avail. They went step by step through but still the same. It asks for verification number via email and phone - did all many times but still it is the same. I have this card at least 14 years. I will need access this account using my laptop because I will be traveling and I need to check spending and payments.

After 20 years I'm switching to another Mastercard. They have ruined things with their new site, a screwup that reminds me of how Digg.com killed themselves. I am unable to see my transactions and customer service can't help. The site continually errors out and locks the account. What was wrong with the old site?! On a positive note this experience spurred me to find a better Mastercard. Great job guys. If I were CEO there would be hell to pay for this fiasco.

This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting runaround in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail.

I've been trying to sign up for online banking about 2 months already. Support's just answering "copy paste phrases". So I'd just want to remind that it's 2019 year in the yard and you aren't able to use online banking.

I used to enjoy having this credit card but no longer. Recently they changed their online website making it inaccessible and I can no longer use online access to check my spending and bills. When I try log in asks to type on the first try the credit card number, the expiration date and phone. After typing this perfectly correct it reports it as incorrect information and displays a new form asking this time to type card, name and postal code. Again after typing it correctly it reports it as incorrect, then it shows a third form to type card number expiration date and birthday, and after typing all correct it reports, "your account has been locked for too many invalid entries, try again later".

I have been trying for 1 year now to access my online account - 20 changed passwords, 20 access codes, 4 hrs on the phone with agent. I have written 3 emails (no response). I have been ignored and basically called a liar. It's my fault not theirs. All I want is access to online account. I guess I am asking too much. One other thing I discovered while looking for someone of importance to complain to I came across 2 website that stated that PC FINANCIAL has a problem with Transgendered people. Maybe that is why I have been treated this way.

Three times in two months I've been locked out despite being careful to type my password correctly. Talked to two reps, neither of whom mentioned it was a known issue, and yet here is this website with all of us writing in about the same issue. I've been reading about other rewards cards and this one doesn't even rank as decent. Occasional free groceries is nice, but we can all do better. I'm moving on; you should too.

I have had a credit card with PC Financial for a few years. Never missed a payment and always paid over the limit. Asked for a credit increase; was given the increase then two months later they lowered it lower than it was prior to my asking. Then I called to ask "What the Heck?" and was told that I was using my credit too much. So if I am paying more than the required minimum every month and never miss a payment, what do you care how much I use my card? Following the above conversation, they lowered my credit again. Then I made several payments adding up to over $2000.00 in a month.

I have cancelled my President's Choice credit card more than 3 times and they keep sending me statements and I paid two of them not wanting my credit ruined! I refuse to pay these scammers anymore as I received another statement just the other day for just over $80.00 and I called them again and said again to cancel this card and I refuse to pay any more. I told them I was contacting my lawyer.

Locked out of the website again because they insist on a 10 character PW which I managed to type in wrong (again). It's easier to just type forget your password EACH time and identity confirm to get in. No link to resolve the situation, no 1800 number posted. This sucks. When I do get in unasked for 2nd factor authentication on every login even though I mark the PC as trusted. I want to check my balance not get into Fort Knox. I'd use a phone APP but they don't have one after how many years? Why am I with this credit card company again?

1st problem - I have used a PC Mastercard for about 2 years. I have loved the points but the website is really ruining my experience now. I misplaced my card and so I set-up an alert to notify me when the card is used. I found the card and went back to the PC Financial website to turn off the alert. When I went through the steps, the website kept showing an error. I phoned PC Financial and they said the problem was being worked on. In the meantime I was getting emails every time I made a purchase of any kind. Annoying! Over 6 weeks later and I still cannot turn off the alert.

I applied for a PC Financial Mastercard for the excellent return on Optimum points, especially shopping at Shoppers Drug Mart and Superstore. That was five months ago, and I've transferred many auto payments and spent thousands of dollars on the card, but have yet to see a single point due to technical issues. PC Mastercard tells me that it's a PC Optimum issue, PC Optimum customer service says it's a PC Mastercard issue. I've called every week for five months now, and no updates, no follow up, no resolution. I am missing 150,000 to 200,000 points now, and have contacted the Ombudsman at PC Financial, and urge others to do the same if complaints are not being resolved in a timely manner. This is unacceptable.

I have been a PC MasterCard users for a long time and a big fan too. I have told many people about it - how you can quickly cash in your points. But not anymore - this recent online login changes have made me think twice about keeping this card. I may cancel it. So the other day I tried logging into the website and was told that I will need to verify my account where I will need to enter Card number etc. The first thought that came to my mind was this is a Phishing website.

I have had a PC Mastercard for about 5 years now. I love their points system. My wife and I would always get gas at Superstore and would receive approximately 20 dollars every 2 weeks worth of points to spend on groceries. It felt almost too good to be true, but all good things come to an end I guess... I have never had any issues with them until about 2 months ago. When I tried logging into my account online it says that my account has been blocked and to call customer support. The 3 different people I have talked to just say that it's a "technical issue" and they're working on it. Any good company would have fixed an issue like this in a day or two, but 2 months is ridiculous. The only way for me to check my account balance is to call a customer support agent and get them to tell me or else ask them to mail me a monthly paper statement.

I, like everyone else, have had the same difficulties in trying to log on to the PCF MasterCard online account system. However, I only recently received my card and thought it was just my problem as I was trying to register. I too received the same response that my card number hasn't been uploaded to their system yet and I should call back in a week or so. From reading the complaints - it definitely is a scripted response. I emailed the "talktous" web address several times and was told to telephone because they only answer general questions. I was also told that I should log in to my account and send them a "secure" message about the account I can't access! There is another web address/telephone for "Customer Care" and I did get a phone call about my email. I thought I'd check for complaints before I bothered to call the gentleman back...perhaps I won't bother!

I received an email from PC Financial that enticed me to register for a MasterCard with them. The email stated I would receive 75,000 PC points. That's $75 value in groceries. As a PC optimum points holder, I was definitely intrigued. I had received the card and still for one month, I am unable to sign in. I've called 4 times and each time, the representative just states that because I am still a new customer that my information is not on their data system yet. I find that extremely funny that each time I've called in the last month that is the excuse they provide. I am the primary account holder and my boyfriend also has a card with them on my account and he can sign in perfectly fine. So... the excuse is not valid. Do not give in and get the card. It will give you many troubles!

Many of these reviews in the last recent months are so true! I can't log onto my Mastercard account and the call center reps are doing nothing to solve the issue. They are wasting time with useless solutions. Are they instructed to do so? I'll be canceling this PC Mastercard account very soon and will never go back or suggest. PC Financial has ruined themselves since separating from the CIBC.

I received my card last month, and as of now I am STILL unable to access my account online. I have phoned in 4 times, each person tells me to try again in a couple of days because they have 'escalated' the issue to their IT department. WTF kind of customer support is this? Not once have I received a callback or any explanation as to why it's taking me a month to access my account. Customer support is outsourced to India/Philippines, so the person is always reading off a useless script and does not really understand the issue. Garbage support - I regret signing up for this card. Clearly I'm not the only one experiencing a complete lack of service.

I have been a customer of PC Financial for years. I have always accessed my account online and I check my account frequently. The day PC rolled out a new website was when my frustrations began. I am constantly denied access and blocked. I have never once successfully accessed my account with the new system. It has been two months!

Trying to review my Mastercard statement and stating site upgrade and will not let me log in. Wants credit card # plus CVC #. NOT comfortable giving this without being logged into my account... Fishy???

I have read most of the reviews and I am experiencing the same problems. Since the website upgrade, MINT has stopped working and I have not been able to login to the website. Every time I login it says "your account is blocked". I have called in 6 times so far and they keep telling me it will be fixed in a few hours. It's now been close to 2 months now. They clearly have no intention of fixing the issue. I even went on Twitter to see if I could get help and I got the same robot response. I have been a loyal customer for over 10 years and I am getting no help whatsoever. The website change has been the worst decision they have ever made. I will be sadly changing credit cards in the next week since they clearly have no eta on a fix. Good riddance PC Mastercard!

For the past 3 weeks have been trying to access my account online and have spoken to at least 4 phone contacts to no avail. Bottom line you will have to use paper statements??? Have wasted many hours of my life trying to resolve this. Will not connect me to someone who will do something. No one on a higher level ever available. They did call me at 3.30 in the morning. Did they really expect me to answer at this time? Need to get rid of my card. It's of no use when online banking is no longer available AND NO SUPPORT AVAILABLE. Unbelievable. Where is Galen now?

After changing my password, I was locked out of my account and then denied access altogether. I've called PC Financial 3 times over the last two days, and it's clear they have no idea how to fix the situation. I see from other reviews that this is linked to the recent re-vamp of the website, but PC Financial gave no indication of this and even suggested at first that it was a problem with my browser or Internet provider (I've since tried four browsers, two Internet providers, two computers and one smartphone). It's clear that they don't know what's wrong or how to fix it - they're just buying time by saying it will be fixed in an hour, then a day, then 3 days, etc. I will terminate this card if this isn't fixed soon, as this suggests to me that they don't know what they're doing.

I've spent weeks trying to figure out how to download transactions from my PC MasterCard to Quicken. It never occurred to me that they would take the functionality away!!! Or why don't they have a note in their FAQ telling us that the functionality is gone instead of making me look for it! Why would they do that? Now I will have to switch CC's as I refuse to enter transactions manually. Not impressed.

I have always been able to go online and determine my points and my expenditures. Then it was decided to increase the security. I can no longer access my account and despite numerous calls to PC Financial, I have had no success. No one at the phone number on my card can assist me and it is now two months since I could check my status online. What good is increased security if it stops all access to my knowing the details of my account? I am totally unimpressed and irritated. Why can I not be assisted by the person who is responding for PC Financial MasterCard? This is a ridiculous way to increase your PR!

Best prices on gas at superstore by far with the PC discount and I rack up points so fast I can’t fathom it some days for groceries. You get entire buggies of groceries for free! No fee card makes it even better. I have had other credit cards and never felt like I got anywhere with them. I think you would be hard pressed to any other card that can compete. I had the Scotiabank with the 4% back on select purchase and I never earned any money back.

I was a member with PC Financial for years. I decided that I had too many CC and decided to close out my PC Mastercard. I called in and they verified the amount that I owed and paid them in full then closed my account. This was more than 3 years ago. Now I have applied for credit only to learn that there is an "R9" on my credit report. I contacted TransUnion to find out why. They told me that I had a "write off", I was shocked because I know I am very diligent when it comes to my name going to creditors.

I am a victim of their website upgrade. The statement alerts used to be very reliable but no longer true. For some reason I didn’t receive an alert in November and so I missed a payment! I have never missed a payment before. That not only costs me interests but also have negative impact on my credit rating! Crying…

Long time user of PC Financial Mastercard. The new website is unattainable. Repeatedly asks for Verification Code. Takes forever if at all to log in. Called Customer Service. Says to wait 24-48 hours, and still cannot log in. If we cannot get the help from the phone where else then? Who can help us. There is no transparency with this process. Something must be done!!!

I have been a very satisfied PC Mastercard customer for many years. The old website was easily viewed and the ability to download my transactions to MINT was a must to enable budgeting. Since the new web site was implemented early in November I have been unable to download any of my transactions and have to do it manually. The new site looks like it was designed for a kindergarten class. I need to scroll through many pages just to see my transactions during the month. Nor do I need the HUGE print that has been set up. In a nutshell, once I have used my points and this billing period is completed, I am moving to another Mastercard provider who can provide a user friendly web site. In our household we use web sites to different financial institutions, all of which sites are user friendly, easy to access and easy to navigate. PC site is absolutely the worst.

I received my new card on Nov 16th. Since then, I am trying to sign up for the account online. The website is not able to verify my information to create an account. Contacting customer care is just a waste of time. I talked to 4 agents over the phone and 2 on email over different periods of time. They kept mentioning the new platform does not have my information uploaded yet. No timeframe for problem resolution known. IT department is working on it. It is really frustrating. They should have figured out their system functionality before implementing it. Ridiculous! PC Financial should be reported to the Better Business Bureau for their negligence in customer service.

I have been a PC MasterCard customer since its inception... Now, I cannot view my online account. I have phoned their account helpline on four occasions and was told by four different helpline employees that they can surely fix the problem... They all failed to do so. I have paid off my account and will stop charging until this situation is corrected. If it is not corrected in the near future I will cancel my card. I have tried on three different occasions to email a complaint on their site without success as their email complaint sites seem to be blocked also. I am adding my name and email address to this review on the 'Off chance" that a PC employee will read it and pass it on to the PC IT department or to his supervisor. Thank you for the opportunity.

President's Choice Financial recently made major changes to their Master Card website. The former website was adequately clear, well laid out and functioned as expected. The new site is very poorly laid out, does not have a balance coinciding with Transactions, has links that do not work, one can no longer can download Quicken files and the site often contains inaccurate information. Customer Service claims that customers asked for this new website, but there appears to be nothing to back up this claim, and I have seen only complaints about it. They claim to be listening to consumer concerns about the new site, but do not appear to be willing to do anything about the concerns. Very disappointed with what was very good product in the past.

The new website looks really good. It is also really useless. Take forever to load the statements. Waste my time. Why fix something that is not broken. Got too much money in their hands. What the hell are these guys doing?

President's Choice has recently updated its login security system for the PC Mastercard. I have tried and tried and it will not let me in. I log in and it asks for security verification, confirms I'm an existing customer and tells me to log in. I go around and around achieving nothing. Now I am having to call for info.

Cannot log in from last 3 weeks. Since PC financial has changed their website look, I am not able to login to my credit card account and it is very frustrating that every time you call the helpdesk they ask you to try login after 24 to 48 hours. I got same response 4 times and guess what every time I got the same error saying "You need to be Customer to log in", I am like really? Does not seems the IT team has performed proper testing before deploying this new front end changes. At least give us a ETA/timeline by when it will be fixed so that we don't waste our time in trying. I don't think they value others' time.

PC Financial MasterCard just "updated" their website. I cannot find anything better about it. You can only view a few transactions at a time, which is time consuming to see all your transactions. But the biggest problem is that you are no longer able to download transactions into Quicken. This is a dealbreaker. I have to have that option. If not, I will look for a new MasterCard provider that can download Quicken transactions.

I have been trying since the web revision began to get into my account. To begin with I cannot get in because I need a new password. I am locked out and in the end I get an "Oops it's our fault" message. Reports have been sent regularly to an IT specialist but nothing is ever done to correct my problem. I am very frustrated and will take my business elsewhere after 'they' have corrected my problem.

It was a mistake choosing this brand. I have been unable to sign in to check my balance and confirm my transactions for over a month. When I call the customer service representative says I am giving wrong answers and will not verify me. IT department is looking into the online banking issue and still no resolution! I am paying off and closing this card this month!

I'm sick and tired of trying to log in and being directed to a "an extra layer of security" - so secure, I can't get past it. After waiting and waiting to receive the security code, it won't let me past it - there's no place to enter the code - so you're caught in a never-ending loop. Trying to get through on the phone is equally frustrating. When I finally got through and I was assured that the problem would not happen again, i.e. I would not be asked for a security code again, here I am back at square one, with no access to the site. After my one peek at the new account page, I am not impressed. Other viewers who compare it to a kindergarten program are correct. This is an insult to cardholders and this site needs to be dumped and reverted to the original. Talk about an experiment gone wrong - this is a lesson on "if it works, don't change it."

With the new PC website upgrade, Mint can no longer download my transactions completed on my Mastercard. While I do enjoy the Mastercard PC Point awards, the lack of ability to transfer my transactions to my expense tracking software is more than enough to push me to another credit card. I will give it a few more weeks. The extra headache of this is enough to turn me to another company.

With no reason given, the updated website no longer allows downloads to Quicken. Very frustrating, since I have used Quicken with PC MasterCard for years! I was informed that there are no plans currently to reinstate this capability. Why leave customers in the lurch like this? This is not progress. This is a recipe for losing customers. The website layout is very user unfriendly. If this continues, I will switch to another credit card that allows users to download to Quicken. Any suggestions, anyone?

One star for removing the feature that allows Quicken Canada users to download QFX files. All reputable credit card providers allows data to be downloaded in either QFX or QIF. Being able to download in CSV requires a loose conversion that most Quicken users cannot do on their own. Misère!

The old website is 100% better than this new site. The display is horrible. I agree with someone saying it’s for kids. You cannot download transactions to any software as previously was possible. It’s even not possible to log in on Mint software anymore. What have you done to this site. I and my family members have decided to change credit cards to a different bank that downloads transaction to software and make life easier. If no improvement in the site, plan to cancel the credit card. Thanks Peter.

I recently went through the pain... er, meant to say process of "verifying" my info to access the new website... Don't know where to begin. I've been in the Web industry for the past 20 years. This is rather bad to say the least! Firstly the communication about the change was handled rather poorly. Secondly, they could have had a sneak preview or something running in parallel to the old site, in order to unobtrusively solicit real-users' feedback re: the new site.

Not only that the newly launched PC Mastercard website is full of bugs, unable to log in, unable to reset password, but also more important it is designed for kindergarten kids, not for credit card users! With giant pictures, huge logos in front of each transaction. Sure it is fun to look for 2 seconds, but it is very useless. Those giant logos make each page only be able to display 5 transactions or so. It is such a pain if you have to browse through your 80 transactions per month. The "Dashboard" now does not provide any useful information like the old website, instead it displays a few bars here and there with no meaning to anyone. I totally agree that whoever approved this new website should be fired! It totally ruined PC Mastercard customers' online experience. With the many banking institutions website I have been visiting, this is the WORST, far far far behind everyone else.

This is just to add my voice to the others who are as appalled as I at the removal of functionality that all other institutions and credit cards that I use provide. I agree with the person who said that whoever approved this "upgrade" to the website should be fired. It appears that PC Financial is trying to win back the online banking customers that switched to Simplii when the split happened. Hint to management: You don't do that by pissing off your existing customers. Now you not only will not get my banking business, but you've lost my credit card business as well. I've been a PC Financial customer since almost the beginning. I'm feeling really sad to see what was a really good financial institution destroy itself. Really sad.

This new redesigned webpage of PC Financial is a real "piece of work". Transaction are spread so wide on page that you can only see three of them at the time. To print the certain period time of transactions you need pages and pages of paper. Before I could have about 20 transactions printed on one page, now I need 7-8 pages of paper to print the same amount. Was somebody tried to re-invent the wheel? Everything was working perfectly on the old layout design.

Received a new President's Choice CC about 2 weeks ago. Can't set up a login to my account because security procedures are so complicated that their own system keeps failing. Have been trying for 2 weeks to link my PC Optimum points to my PC Mastercard (which appears to be a very simple process) but their system won't process the request. Consequently I don't use the card unless I'm in a Loblaw's facility. I'm not sure what President's Choice Mastercard thinks is so valuable inside their site to demand such a ridiculous level of security but it's got their customers and their helpline people living in total frustration.

When we examined out PC points on a receipt by receipt basis we found far too many errors. Example: Incorrect dollar amounts shown. Sometimes points awarded, sometimes points ignored. Hard to understand the logic of points calculations. Spent 3 (yes 3) hours on phone to guys in Philippines who were extremely helpful but they could not explain the logic of some points awarded. Therefore no faith in Loblaw's system. They are a big boys and thus should have a simple trustworthy system for all customers to follow. Even a our Canadian banks can manage that.

I recently tried to log into the new PC Financial website and the experience was so bad that I cancelled our PC Mastercard. I tried logging in when the site told me I would have to go through a 'verification' process. This ended up with me being caught in a loop. I would input the necessary information and no sooner had I changed my password, it was prompting me to go through the verification process all over again!

The old website supported Quicken since the very beginning. Now with no notice they re-designed the website and dropped this support. Just about every other credit card supports this download. I will be moving to a different company.

President's Choice Financial Mastercard (PC Mastercard) website upgrade is an abuse of customers. Recently PC Mastercard upgraded its website and in advance of this, there was no advance notice given its customers! The upgrade also required users to re-register and change their password. How rude! Multitudes of people were locked out of their accounts because of a snail like refresh rate to password change into their system. I attempted to change my password four times and locked myself out because of the slow refresh rate.

PC MasterCard reduced my credit limit four times in four months as I paid off the balance. Due to this my utilization ratio did not improve and my credit score did not regain much and I became ineligible for good credits. I had utilized 95% of my PC credit card for two months as I need money, and this resulted in my credit score falling by more than 200 points. Since then I paid off most of my balance in PC credit card, and they reduced my credit limit to the amount I paid off straight for four months. Now I have balance of about 700, and my limit is reduced to 1000. I had about 4900 balance last month, my credit limit was 5300. I had around 5800 balance two months ago and my credit limit was reduced to 6300. Three months ago my balance was 6800, my credit limit was reduced to 7100... Due to this my credit score has not improved as my utilization remained high.

I have been using this credit card for many, many years. I love its benefits (the points), but I find that I cannot trust it fully. When I receive my monthly statement, I receive it twice - once at about the 18th and the same on the 30th or so. The first time, I ended up paying this bill twice. Now I am wiser. Secondly, I have NOT received my monthly electronic statement this month, which I usually receive on the 18th. It is now the 23rd. And I have spent a lot these past few weeks.

Applied for the President Choice Mastercard. Received it. Tried to use it the first time and it was immediately blocked. Spent several weeks sending them proof of who I was. Sent valid government ID and tax notifications. Then followed up each time with phone calls. Was told they would get back to me but they never did. I followed up and they said they couldn't see the documents clearly. Resent the documents. The images were very clear (they were the first time too). Didn't hear back again. I called to follow up and this time, they said they never received them. I cancelled the card. This company is incompetent and not professional. They don't even deserve the 1 star rating. STAY AWAY! NOT WORTH THE HEADACHES.

I have been happily using the President's Choice Mastercard since its inception. However, the accounting program I use requires a Quicken file, which the new President's Choice Mastercard website does not support. In order to create a file that was acceptable, I had to download the .csv file and add the required columns in the correct order to make it meet the needs of my program. I then saved it as a .csv (comma delimited) file and was eventually able to import the data. This is very messy, time consuming, inconvenient and prone to error.

I have been using PC Financial Mastercard for years and track my finances with Quicken. I recently went to download my transactions and found a total new website that did not allow for the service I have been getting for years. No one had informed us of this change and now I have 3 months of transactions I will have to enter manually. Talked to customer service and those guys have not a clue. They are reading everything from a script and when I explained what I needed he said that was beyond his scope and he would go check - He came back to tell me that service no longer exists. Needless to say I am moving on to another credit card that actually works.

The new PC online website is terrible. What happened to my transactions. I can only see 4 at a time spread across my screen. Drop down menus are obscured by a big red line. This is probably the worst upgrade by a financial institution I have ever experienced. It is more of a ridiculous downgrade.

I signed into the PC Financial website to find it had been revamped. Took a while to work out what was where. There certainly seemed to be a whole lot of PC selling and PC promotion than with the original. Why my rating? I use Quicken and download my transactions into same. I could not see the option so contacted support only to find this capability HAS BEEN REMOVED. They offered a work around using CSV files but QUICKEN only imports CSV for price updates. Clearly they have no clue. Who ever allowed this to be released should be fired.

Tried numerous times to set up pre-authorized debit for PC Financial MasterCard and I can't recall ever dealing with a more useless organization. Constant runaround every time I called, they can't even handle simple banking info properly, and most likely nobody there even cares. If you are lucky enough to read these reviews before getting a PC MasterCard, look elsewhere for your credit card needs.

I am stuck in Spain with my card canceled due to a decline of my card for a 10$ purchase. President's Choice has canceled it and even after numerous calls and proof of who I am will not reinstate card. Even though no fraudulent activity and card paid off in full before leaving they want me to call from home phone # when I return as they must process through numerous channels. Card is needed here and now. They were notified before I left off where I am. No fraud etc. was tried only a company that did not process a transaction correctly. Hours have been spent attempting to correct a minor issue. BEWARE OF THIS INCOMPETENT COMPANY. They are only rated as one star as I must rate but are a zero.

I applied for this card when someone who worked for them asked me at Shoppers. They sent the card to the wrong address twice. They called me to let me know the card had been returned to them the first time but didn't bother the second. When I called them to ask what had happened to the card, they basically said, "oh yeah, it came back. Guess we should have called." When they finally got my address right, they sent me the card but then needed additional documents to verify the address. I sent them the documents, and surprise surprise, I heard nothing back.

I got this credit card to get extra PC points. So far it's worked. I just buy little things like gas and groceries on it. Only have a $1000 limit and it hasn't been a problem. However, somehow last month I underpaid my card by $1.50 and didn't notice. I'd been noticing that my credit card wouldn't work when I went to buy stuff but never called because I didn't have time. Now, when I'm paying this month's bill I noticed that I underpaid by $1.50 so that's probably why I was declined. Seems pretty fickle as this hasn't happened with a BMO cc. Having now read everyone else's review I will be careful if they offer to expand my cc limit, too. Otherwise I have appreciated racking up the points with this card. Paid for my groceries on a road trip just as I had planned. :)

I have had the card for almost a year, started with 5000 limit. I max it out every month between everyday purchases, groceries and all bill payments. I pay it off in full every month as soon as the statement comes out, no interest, no fees, just lots of points. I do not pay to bank and this card gives me that same option. I operate a small distribution business and use 140L of fuel every day 6 times per week, to which I charge to this card. If you are smart with your finances and only spend what you can pay off at months-end this card cost you zero dollars and can you can accumulate a lot of points. FAST.

PC Financial automatically closed my account without any notice, warning or letter of closure after being with them for over 3 years with an account in great standing. The only way I found out it was closed was when I called in to see why the card was declined during a $1 purchase. After being bounced around from useless representative to representative, I learned that they had in fact chosen to cancel my account over a month ago without reaching out to me. In the time from it being closed by PC Financial, there was paperwork or notice sent out to me and the card I had in hand was still "valid" through XY month this year. Are you kidding me? Never will be with these jokers again.

I am registering a sincere complaint based on my experience this evening with the PC Financial Customer Service Department. I was just disconnected after two hours of being kept on hold and being transferred between departments and nauseam. This happened a total of five times. That's five transfers between departments, five times explaining my simple request - only to be told I needed to be transferred yet again, and to be put yet again on hold. As of right now, I still have not had my question answered, nor my financial request resolved. My family and I have been loyal customers of PC Financial for over two decades, through numerous Credit Lines, Credit Cards, Chequing and Savings Accounts.