President's Choice Financial Reviews 617

I changed my reqular no fee PC MC for a world elite Presidence Choice master card mid september. Activated the card as the instructions indicated. The first time I tapped it it showed up my profile with my detailed activities. But when I wanted to pay for my purchased groceries, it got declined multiple times. Called customer service, they said I entered wrong pass code. I mentioned, I only tapped the card, and no pass code was entered. They insisted to change my code. Process took about 40 minutes!
Few days later, the same issue. Had to wait 58 minutes, talked to some rep whom just repeated the same line without understanding my problem. Supervisor got on line, the same problem. Asked to cancel the card, they said they are not going to refund my $120 annual fee either.
What a service these guys are providing? The days of customer service is gone in Canada, and a good example of that is Preseident's Choice Credit Company!!

Months of Silence, Cancelled Reviews, and No Accountability — MasterCard Ignored Written Proof from the Hotel Itself

I am extremely disappointed — and frankly disgusted — with how PC MasterCard has handled my dispute.

The hotel cancelled my reservation the day before check-in — I have written proof — and they promised me a refund in writing. Despite this, they still charged me and later misrepresented the situation by citing a “no-cancellation policy,” omitting the crucial fact that they cancelled the booking, not me.

I submitted the hotel’s written cancellation and refund promise to MasterCard over seven weeks ago, yet I have received no acknowledgement, no follow-up, and no resolution. Instead, the charge was allowed to stand based on incomplete and misleading information provided by the merchant.

Since April 2025, I have spoken with five supervisors and sent over fifteen emails trying to get this corrected. My most recent call was on November 12 2025, when a supervisor told me they “may review” my case but couldn’t promise that I’d receive a refund — even though I provided irrefutable written proof that the merchant cancelled the reservation and confirmed I was approved for reimbursement.

To make matters worse, PC MasterCard keeps deleting or cancelling my posted reviews, preventing me from publicly warning other customers about how my case has been handled. This silencing adds insult to injury.

This was not a change-of-plans cancellation. It was a hotel-initiated cancellation followed by a broken refund promise. I acted in good faith, supplied all documentation, and corrected a clerical error immediately. The decision to uphold the charge is unjust, contrary to the evidence, and inconsistent with fair-dealing standards.

After seven months of being ignored, I am requesting — once again — that MasterCard reopen my case, review the written evidence, and reverse the full amount.

Absolutely terrible! Still waiting on my refund/credit from unauthorized transactions in my card. They also refused to credit me for all of the unauthorized transactions, even though mastercard (which PC uses) is legally liable to refund you for unauthorized transactions to your card. DO NOT sign up for a PC credit card. Much better cards out there from more reputable companies. Customer service is horrible, and many times have to wait over 30-40 to get someone on the line, and then they will transfer you 3 more times because nobody knows what they are doing!

Waiting for last 55 mins. It’s easier to go through immigration channel to enter another country that to avail PC Mastercard customer service. Pathetic care for the clients time. Perhaps time to switch to another provider.

I don't know of any worse bank. To try and get a hold of a real person is almost impossible. I do not recommend this financial institution. They should be de-regulated.

Over 25 minutes sitting on hold, just to activate my credit card. Nobody has time for this!

So awful! I just want to talk to an agent. Cancel my credit card. Ask why I have a balance that might screw my credit rating even I haven’t used the card in a year send a half. I just you to go away… but you don’t let me. No answering and apps do not work. The shittiest service ever! Hours and hours on hold! WTF? I dummy get upset easily, but this is ridiculous! Never, ever, ever use this credit card

If you dont have tellers. If you have removed your banking machines from your grocery stores. Then you should at least have some customer service when a customer calls.

Waste of time you have to wait an hr sometimes more than an hr to speak to someone and they hung up the phone on you
Totally waste of time

Abysmal "bank". The online chat doesn't know what the phone centre is doing, but good luck getting through to anyone. It can takes DAYS to talk to a chat agent, and an hour to get to a human by phone. They then send you a card that doesn't work. This isn't a real bank--it's a psyop to see how much ineptitude you will tolerate.

Applied for a PC Financial mastercard, was approved, received the card but when going to activate it, I was told the account was closed and they're unable to disclose the reason why.

Three major issues with the PC Mastercard for me are that you cannot add it to your Samsung Wallet, you cannot put your account on autopay, and Customer Service is useless. Had I known, I would not have bothered getting this card. When you contact them by phone to rectify an issue, the customer service is horrible! Prepare to wait 45+ minutes before even talking to an agent. They will file numerous complaints with a reference numbers (see attached screen shot), to which they have never once provide follow-up or rectification. When you request a call back from a Supervisor, that never happens either. The back office has no idea what they are doing; it's just a waste of your time calling. I will be cancelling my card as soon as my statement is provided.

Have called about an issue that can't be solved via AI which they push. Got hung up on twice after holding 15 minutes. Called today after 29 minutes said can't take this call and hung up again. No banks to go to I am contemplating letting my credit card go to much hassle and it has my pc points I can't even use till issue solved. Bah humbug and yes I am a Karen and usually a patient person.

I’m writing to express my deep frustration and disappointment regarding the delay in receiving my replacement card.
I reported my lost card in early September and was told that a replacement would be sent via courier due to the postal strike. It is now October 17, and I still have not received the card. When I called today to follow up, I was informed that the card had been sent, but there was no confirmation of when or how.
I requested another replacement and was told it would take 10–12 business days, which is concerning given the length of time I’ve already waited. I also asked if it could be couriered (as originally promised), but the agent said he wasn’t authorized to do so and transferred me to another department. Unfortunately, after being on the call for about 90 minutes my call ended with a busy signal.
This experience has been both time-consuming and distressing. I am urgently in need of my replacement card.
If you're looking for customer disservice, go with a PC Financial credit card. Otherwise, just go with the tried-and-true big banks.

PC Financial has consistently demonstrated an alarming lack of competence and reliability, both for customers and staff. Their systems are inefficient, their customer service is slow and unhelpful, and staff appear unsupported and undertrained, leading to repeated errors and unresolved issues. Customers frequently face long wait times, unclear policies, and unresponsive communication channels, creating frustration and distrust. Even routine banking tasks can become unnecessarily complicated due to outdated processes and poorly maintained platforms. Staff morale suffers as employees are often left to manage dissatisfied customers without proper guidance or authority to resolve problems. Overall, the organization exhibits systemic inefficiencies that impact everyone involved, leaving clients feeling neglected and staff overburdened. PC Financial’s inability to provide reliable service reflects poorly on its brand and undermines confidence in its operations. Urgent reforms and improved customer support are essential for restoring trust and operational efficiency.

I got a PC Mastercard because I wanted a Mastercard product and I was already a user of the optimum program. I did not have the card very long, just a few months, when it was declined at the grocery store. I went on the app and it said the transaction was declined because the account was closed. So I called the number I was provided, and sat on hold for 45minutes before the call was answered, then on hold off and on for another 20 minutes. I was told that my card was identified as being part of a "mass compromise" two months earlier. Nobody communicated this to me, I did not receive a new card, and I was still able to use my "compromised" card for another 6-8 weeks, which doesn't seem like a very good way to protect clients from fraudulent charges. So I waited on hold again while they issued a new card to be sent to me. I was then told that the new card would be mailed within 7-10 business days, but Canada Post is on strike so it may be delayed. I asked why they were mailing it then, since other card companies are using more reliable methods (my VISA expires this month and the replacement card was couriered to my house). I was told that that's just what they do... cool. Terrible service compared to other cards I have.

Absolute worst customer service.

Waiting on hold for hours. Had a claim denied when a seller from CHINA stole from me, great work PC I rarely use my credit card now only for emergencies and I will eventually cancel. As if you treat your customers like this. I was charged for something fraudulent sent to me that I actually even tried to return, shame on this company for standing up for sellers like this.

Your wait times are also ridiculous.

Atrocious service and then take no responsibility for their mistakes or offer any viable solutions. Poor communication and an utter lack of accountability makes them unreliable and a liability.

They closed my account without notification. A violation of federal consumer protection standards.

Account closures need to be provided in writing.

Yet they still took my paycheck are restricting me to daily E transfers of 3k and offering a mailed cheque (canada post is on strike), this is unreasonable holding.

They have failed to provide reasonable access.

This is the worst banking experience of my life

If you know whats good for you, you won't even bother with this craziness. Unless you like staying on the phone for hours at a time, listening to same song on repeat.

Oh, and they also told me something different every time I called them. I've called this bank 4 times now about my account closure and STILL have not gotten a clear reason for my account closure. Neither have they released my funds.

They've effectively stolen thousands of dollars from me at this point.

I applied for and received the PC Financial World Mastercard based on the offer of NO ANNUAL FEE. Even before I used it, the fee was applied to my account. I called and asked them to cancel the card due to the annual charge and they assured me it would be reversed on the next statement. It was not. I called again and was assured it would be reversed. 2 months later it still has NOT been reversed. I have contacted them several times online as I don't want to keep wasting an hour on the phone each time but now they just don't respond to my messages. Disgusting cutomer service and obviously a fake offer just to get my money. DON'T USE PC FINANCIAL.