President's Choice Financial Bewertungen 

Date expired and never sent me a new card.
Other credit card people are interested ,so good bye.

PC insiders Mastercard is honestly the worst of the worst. The promised promo optimum point offers if you ever actually receive them take 8 weeks to see in your account. The Optimum program itself to receive any real benefits is incredibly daunting and not worth the exhaustion. When I compare my Scotia gold Visa Scene points for instance where you get your points regular and bonus points right away(no 6-8 week wait?!)..its not close. The Scene points show up in your Scene account instantly and so much simpler to earn points and offers. The customer deserves to see any promotion points they have earned right away.. which only makes sense!? Also, the customer service wait times when on hold at PC are 60 minutes or more and prove pointless once you finally connect. The poor CSR's are given only basic training re loyalty program etc and will only frustrate you into submission. The call centre experience for a credit card company is truely unexceptable quite honestly. It does not seem reputable at all. I have had many different loyalty credit cards through the years and this PC insiders card I have to rank at the bottom. In my view stay away and go with an "actual true" banking credit card. Its just not worth the frustration if its the points you are after. Thanks and take care

This bank is really good but as much as I enjoyed my time with them i was very disappointed with some of the way they operate. I didn't like the fact that I couldn't pull money out of my account for any amount that i tried. Called customer service and was told has to be $500 and under, went back to try and was still not able to access my money..

After seeing this page for this institution called PC Financial and applying for a product on 19 January and immediately having it closed apparently on 21 January as per "Executive Customer Care" based on "Bank policy" and "section 4.1 of cardholder agreement"; which state in summary that they can close it without giving any reason.

Strangely enough, on 19 January after a few hours of application and spoken to regular Customer Care they mentioned i was accepted and seemed happy genuinely then over phone to have me as client, not to mention that i even received the product credit card along with its T&Cs in my mail on 29 January and when i tried to activate it then it didn't work.

Also to note considerably is that when i applied and they checked my report on TransUnion only (not on Equifax which i have a Good score here) or the details i entered when i applied is all in good standing, my other credit card with another provider is always paid on time and looks good so there shouldn't have been any risk upon their calculations.

Yet, in the end I got rejected based on this "mistake" as they mentioned over phone and on the "section 4.1 of cardholder agreement" and "bank policy" vague terms.

I was wondering why was i and still am honest and truthful when I apply and even get accepted so that apparently 2 days later get rejected as they "re reviewed it" but me still getting card a few more days later and emails to activate the card when their Executive Customer Care treat customers that would've been new like trash although they're in good standing and honest? The above rejection says to me (since i was honest and NOT suspicious to anyone else and was truthful so far here) that they are either being picky on customers based on biased and unfair decision making processes. You can't use vague terms like that if there's nothing suspicious or wrong and close someone's account as you feel like it after you given them "hope" by sending them the card and confirmation emails.

This is a whole new level of mockery.
I would star them below 0 stars if I could for this indirect (and seemingly very "respectful"), biased treatment i received.

Stay clear from this credit card! They are determined to ruin your credit score. First, they reduced my credit card amount for no reason, all payments were made on time and over the min amount. Then awhile later they went on a payment program, and my min payment went from $16 to $216 on a balance for $600. Then they had the nerve to put a late payment on my credit report when the program already made the payment. Good riddance to a terrible company!!

Phoning customer service took me an hour to wait over the phone. This is the worst I have ever experienced. How I wish they can improve their customer service.

PC Financial has horrible customer service, and they have very long wait times when calling in. They don't respond to emails, including complaints. PC Financial is extremely unprofessional, and they clearly don't care. I closed my money account because of these clowns. Their app is very slow and full of error messages. Honestly, it's not worth it. Loblaw is a disgusting company, and I highly recommend you avoid them, including PC Optimum as they are known for scamming people out of points.

I was originally enticed by the no-fee incentive and the additional Optimum points. But when fraudulent charges kept showing up on my credit card, PCF advised me to cancel my card. They issued me a new card, which IMMEDIATELY had a fraudulent charge on it, before I had even activated it! Add to this the long wait times which are a regular thing... I have transferred my accounts to TD, brick & mortar is always preferable when you have a dispute.

Was pressured in a grocery store to sign up and then never got my welcome bonus. They also don’t let you redeem points towards a balance unless you have a statement that shows owing. Also can’t redeem for anything of significance at their partnered gas stations.

yesterday ,Evan called me talking about my pc mastercard and i felt he is amazing service to customer i was very happy with his custermer service
thank you !

What a nightmare company to deal with!!! It took several attempts to get this card due to the glitches in their on line application, which continually told me my personal info is incorrect. I finally receive the card and cannot activate it due to the same glitches. So I cut it up and write a bad review. Next month I get a bill for under 2 dollars. Calling and waiting on hold for over an hour multiple times didn't pan out so I wrote a letter. A customer service rep called me and said they would close the account as soon as I paid the balance. I didn't even activate the card and already it was hacked! He eventually agreed to close the account. A month later I get another bill for the same transaction. Now my credit rating is at risk because of PCs incompetence! I strongly recommend people do NOT get this card

Absolutely the worst costumer service, if everything is going well, you are ok, but if you will have problem, you won't be able to talk to human representative from costumer service.

Absolutely worst customer service, my etransfer is stuck since 4 days, their email support says to call, and call wait times never end. If you need to call be prepared for at least an hour of wait time after which the agent will probably not be able to resolve your issue

Terrible customer service, app does not work and directs you to toll free number that leaves you on hold for hours until yiu finally hang up. Email does nothing, virtual assistant is useless. Try to ise onbtwo vacations, never worked, no support, definitely do not sign up for this card. I can not even transfer my money out using app- error- toll free- no one answers!! I can mysteriously transfer more money in though, what a surprise!

They are the worse ever. I opened an account I got the card and then they closed my account. Good thing I never put any money in there. Worse company ever. Do not use them find a better bank to use, they will treat you better. PC sucks

There services are free and easy to use

NoFrills Dec. 23/2025 A representative trying to push Credit Cards to vulnerable Seniors approached me. I knew what it was about and I said "no thank you". He then moves closer to me and starts talking to me aggressively, this time I said "I told you I am not interested", then he came at me a third time and I was crying and frightened and telling him to get away from me. I saw him do this to 2 more Seniors before I left the store. I have PTDS and I am still left shaking from the incident. Shame on this company.

The worst customer service ever. It take usually 2 days longer to post a credit than any of my other cards. I made a large over payment. I requested a return. I get a message " We are experiencing higher than usual volume. We appreciate your patience while your request is being reviewed." It's been 8 business days and nothing. They are earning interest on money that doesn't belong to them. I am certain they do the same regarding payment. They received payment but do not post it for days.

You guys really need to upgrade your phone its really hard to hear and maybe get rid of all chinese customers service, its hard to understand them.

Terrible customer service. No live person, you get an AI, virtual assistant, who can't hear you and disconnects the call after you wasted significant time answering validation questions.