President's Choice Financial Arvostelua 603

The rewards program is great, but the company itself is very disappointing. I went slightly over my limit without realizing it, and they closed my account without any notification or warning. When I called to ask about it, I was told I would need to reapply but had to wait 6 months. The representatives were unhelpful and kept transferring me instead of resolving the issue. Overall, a very frustrating experience.

Very frustrating experience with PC Financial.

My Mastercard was declined due to inactivity since 2023, which I understand. However, I was told to reapply—only to be rejected because their system still shows I already have a card.

After spending 48+ minutes with customer service, the only solution was to wait 6 months to reapply.

We then tried having my husband apply so I could be a secondary cardholder. He was also declined despite strong financials (stable income, long-term employment, excellent credit, 20+ years at the same address).

The process is completely inconsistent and customer service could not resolve what appears to be a system issue. Very disappointing.

You scammers deserve Zero Star… I got an email from PC OPTIMUM that I will receive 125k welcome points once I apply through the link for their Mastercard🤮 I applied and while applying I got an offer that I can opt in for Elite card and there would be no annula fee for the first year. Now they’re not giving me the welcome points and neither wave the fee. Never apply for their credit card🤮🤮🤮

I am disgusted with the service I have received by PC Financial, particularly the service through PC Mastercard. I am dealing with the passing of a parent and trying to close the account to mitigate fraudulent charges. However, due to a security issue on their part, we have still not heard back from them after many emails and phone calls. Not to mention, it takes about 30 minutes to talk to a human when you call and no one emails you back. They continue to draw out this experience, making it more painful than it needs to be. This is the last thing a grieving child wants to deal with. I would advise avoiding this company like the plague if you value customer service.

Unbelievalble incompetent company......just absolutely horrible ....Tammy on March 23 2026 at 2:15pm....would not give up a manager to talk to......

My account is closed and they refuse to give me a statement .....

If you value your time, stay as far away from PC Financial as possible. Their customer service is designed to make you give up.

The 2-Hour Wait: Every single time I call, I am stuck on hold for two hours. It is clear they are either severely understaffed or simply don't care about their customers' time.

The "Escalation" Hang-Up: The moment you finally get through and ask for a manager or the escalations department, they "accidentally" disconnect the call. Having to start that two-hour wait all over again is infuriating and feels like a scripted tactic to avoid accountability.

Useless Agents: The front-line staff have no power and no answers. They are essentially there to read a script and waste your time.

App Tickets are a Joke: Don't bother opening a support ticket in the app. They will close it without a single word of explanation or any attempt to resolve the actual issue.

This isn't a bank; it's a black hole for your patience. The "points" are a trap to keep you dealing with a company that treats its customers like a nuisance. Save your sanity and move your money to a real bank.

i have this card for 20 years, i was outside Canada for 2.5 months, they upgrade my PC Mastercard, so I have to pay $120/year then I miss 2 payments, I called to explain, they didn't cooperate, then I canceled my cards, there customer service very bad, be carful

Banking is not terrible, have had them for a few years but OH MY GOD, e transfers take FOREVERRRRRR. Even small amounts under $100 takes approximately 1 hour. In a pinch it's a fine bank but highly recommend going with a bigger bank.

Horrible experience trying to contact a human, and now I've been on hold for almost an hour. I'm about to hang up having just wasted over an hour of my time in total. Then there's the voice that comes on every couple of minutes saying my call is important to them. Just brutal.

Absolutely one of the worst companies to deal with. Statements are either not available, or not accurate at all. I am clicking on multiple different dates to view, and they are all coming up identical, with the same "Dec 10th" statement date.
Customer service is horrendous - waiting for 1/2 hour on phone only to be disconnected.
Brutal. I have zero trust in this entity.

The worst customer service ever. They keep advising to switch from paper to paperless and after that they never inform me online or by email the due date to pay the bills. Them they charge me with interest . When I call they put me on hold for 45 minutes then they answer . I ask why you applied charge interest they transfer me to someone else I wait another half hour and after I wait 75 minutes they keep transferring until I hang up without any help. Now they kept charging me interests 3 times. I will close this account. They are the worst financial institution ever

Terrible customer service. Very long wait times, sitting on hold when calling for what turns out to be ineffective support. Sent upgrade offer that can only be accepted online, but of course website is down with "Access denied" error. Called for support, and told I can only accept offer online, and to keep trying every day. No advice on options when offer expires while website still down.

Calling customer support and in the background people laughing and so loud and the person keeps making you repeat yourself... just wow!

Horrible experience. Waited for so long and when representative picks up she drops the call after a few minutes.. Really frustrating experience.

I would give 0 stars if I could. Customer Service needs restructuring

J'ai toujours été satisfaite de mon expérience avec Optimum, c'est mon programme de récompense préféré. J'ai pris la carte de crédit Mastercard PC il y a quelques années et je n'ai jamais eu de problème. Hier, j'ai tenté de faire une transaction en ligne, mais elle était refusée alors j'ai appelé le service à la clientèle. J'ai attendu 30 minutes et la ligne a coupé. Je n'étais pas contente, mais je voulais régler la situation alors j'ai rappelé et la même chose est arrivée. J'ai aussi envoyé un courriel et ce matin c'est revenu en me disant que le message n'a pu être délivré. Je suis venue voir les avis et je me rends compte que tout le monde a la même expérience. Je trouve ça inacceptable, surtout quand la compagnie offre des produits financiers et des comptes bancaires. S'il y a de la fraude ou un pépin à l'étranger on fait quoi? Bien de j'aime les avantages, je vais limiter mon utilisation de cette carte, car je n'ai plus confiance.

Longest wait times ever for customer service. Expect 1hr plus any day, any time of day. Difficult transaction dispute process.

Worst customer service. - Take a day off if you want to open a dispute / reach customer service etc. And have lot of patience.

One of the worst companies that I have ever dealt with!
After making a monthly payment, interest charges were added to my account which put my account over the limit by $100. On the same day that they cancelled my account, it was sent to collections.
I do not recommend this awful company!!
If you are in need of a credit card, apply to Canadian Tire Triangle! Amazing company and customer service there!

Terrible customer service, almost no service at all. Put my on forever hold all the time. They wait until you loose patience you hang up first. Next time I called, same thing. Warning, don't sign on any extra services like Payment Support Plan. It is a complete scam. There is no way to make any changes or cancellation

Horrible experience. This is the worst advertisement to actual performance divergence I have seen in Canada so far.
I was on my own getting groceries at Super Store at Heritage Valley Edmonton on December 26 2025, when a lady approached me to promote the PC Financial MasterCard. I should have just listened to my instincts which typically avoid rigorously advertised traps. We debated the points of my refusal to enroll for over 30 minutes as I tried to wriggle out of the marketing gimmick that focused on points and credits.

At the end, not wanting to make her regret taking a role where she never wins, despite trying so hard, I agreed, warning that I do not buy things on credit because I don't gamble with my credit rating, and I already had bad experiences with advertised credit cards prior to that. She assured this would be different, that I could start using the app, and that I would get my card in two weeks.

January 16th, full 3 weeks later, no card delivered. I went on a hunt for this lady multiple times. Called phone lines endlessly to no avail, and eventually got her around the 16th of January. Then another promise of two weeks to receive card in my mailbox.

January 30th, two weeks, no card sent. Another round of fruitless search and the marketers are nowhere to be seen.

It is now February 20, 2026. My credit limit is exhausted. I'm getting warnings. No means of paying off balance. I was on autopilot calls for hours and eventually get a response that sounded more like fraudsters online than customer service people: imagine saying PC Financial never asks for sms codes sent to me but insisting I need to disclose mine to get help from you?

I am transferred between calls just as fraudsters do when one is not winning, and finally advised to wait for another two weeks for another reissued card. I'm also advised to download statements to find account number to pay off.

At this point, my balance stood at $1013.12, over the 1000 limited which I had actually not reached from my spending. I then paid off the $ 1013.12 to the account number.

On the following day, payment has not reflected even though my account was debited. My fine for default in accumulating as I was charged another $30 for late payment that was in no way my own making.
Very disturbing experience.
Does anyone know how to resolve this sort of helpless situation?