Canadian Tire Financial Services Bewertungen 

This credit card has a very high interest rate. So don't apply unless you are able to pay bill in full.

It has a pretty low threshhold to get the card. But I realized I needed a good credit score to rent an apartment, house was too much to manage.

There was a pretty good sign up offer, and then covid. I was unable to complete some buy in person offer. My pleas fell on deaf ears. But a few months later, I did purchase in store, and lo and behold, I got my CT money bonus of $150.

Started with $300 credit limit. Bought something under $100 monthly, and swiftly got increases and increased my credit limit. I was able to have a good credit score to rent an apartment.

They blocked a scam charge automatically, and while wait times have been long sometimes for support, I really have had good service once reaching a live agent.

Another time, it was months before I noticed some fraudulent activity. I saw charges when I was the middle of the Atlantic ocean. Charges had been to Canadian Tire and Walmart, in amounts I normally spend.

The agent on the line took an hour and a half, patiently waiting while I checked my purchases to separate legimate charges vs fraudulent. It was not long before it was paid back to my account.

While it may be a bit of wait, support has been great.

What is not great is the website. It is very slow, and sometimes impossible to even log in.

This is not the card to finance anything, just stuff you can pay for when statement comes in. If CT is a good place to gas your car or you shop in store, mark's, sportcheck etc., points build up fast.

Summary:

High Interest rates. Poor website.

Low threshhold to get card and rebuild credit.

Excellent phone support after a wait.

Bonus points almost everywhere except Walmart. Bonus redemption days can increase your points.

Worth noting if account has no activity for two months you get a small fee. Put a subscription for something small like a streaming service on the card. Set up autopay for that bill.

Canadian Tire sent me a text about a possible fraudulent purchase on my card and asked if it was legitimate. We had poor cell reception when we tried to respond so I'm not sure if they received my reply. A short time later I noticed that the card would not work. I couldnt even log into my account. I tried calling their "24 hour support" number but they were closed and said to call back during regular business hours. It's now 11AM next morning and I'm still getting the same recording. And in the meantime my card won't work. This has to be the worst customer service that I've ever received. I'm looking for a new card supplier. As many more here have said, stay away from Canadian Tire Financial services.

Une étoile, car je ne peux pas mettre moins

J'ai appelé pour un renseignement sur mon compte, personne très désagréable, se permet de faire des jugements et ne me laisse pas parlé
Me coupe la parole

Vraiment c'est inadmissible!!!!!!!!!!!!!!!

Never thought Canadian tire master card. Well here I am one master card I used and now time to pay. Looks like am in horror move set. They absolutely disaster system to get you pay their money back. Desperately need to get money back no customer service and no absolutely customer care. . One question to ask you Canadian tire. If you are not match your system with other comparable companies serving credit card one advice stay out. Just sale your products . Thank you for your attention. DO NOT APPLY FOR CANADA TIRE MASTERCARD.

​Review Rating: ⭐☆☆☆☆

​I am writing this to warn anyone considering a Canadian Tire Triangle Mastercard: this bank does not care about customer security, loyalty, or basic logic.
​I recently dealt with a predatory online merchant (TSC) that made a massive billing error on a purchase, refused to correct the discount code, and forced a shipment out after I explicitly cancelled the order. Because I refused delivery of an unauthorized shipment, the merchant kept a $25 "restocking fee."
​When I opened a formal dispute with Canadian Tire Bank, their dispute department blindly sided with the merchant's fine print. They completely ignored the paper trail showing that the contract was breached by the seller first.
​Even worse: when I escalated the call and explicitly told them that I would cancel my credit card account over this total lack of customer protection, the supervisor chose to let a long-term customer walk over a measly twenty-five dollars.
​Think about the business logic here. They would rather lose a customer, lose all future swipe-fee revenue, and tank a relationship than issue a simple $25 goodwill credit for a blatant billing error. If their corporate bureaucracy is this rigid and short-sighted over a tiny amount, imagine how they will treat you if your card is hit with major fraud.
​Do not trust Canadian Tire Financial Services with your business. They value corporate stubbornness far more than they value customer loyalty. My balance is being cleared, the card is being cancelled, and I am taking my file straight to the banking Ombudsman (OBSI). Avoid this card.

I am a long-time Canadian Tire Bank cardholder with a perfect payment history. I have never missed a payment, never paid late, and never carried an irresponsible balance. I am exactly the type of customer any bank should want to keep.

Despite this, Canadian Tire Bank reduced my credit limit from $25,000 to $10,000 — a cut of $15,000 — with no prior warning. Their only justification? That I was not using my full available credit. In other words, I was penalized for being financially responsible.

What makes this even more frustrating is that just one month ago I applied for an upgrade to the Black card (world elite), demonstrating my loyalty and confidence in this bank. Instead of being rewarded, I was blindsided by this drastic reduction.

When I called to dispute the decision, the agent tried to justify the cut by claiming it helps the bank prevent fraud. When I expressed my disagreement, he sarcastically asked "you don't care about that?" — as if I should be grateful for having my limit slashed. He was dismissive of my concerns and showed no interest in resolving the issue. The call then conveniently dropped the moment I requested to speak with a supervisor.

I want to make clear: all calls are recorded. I will be escalating this to Canadian Tire Bank's Complaint Resolution Team and, if not resolved, to the OBSI (Ombudsman for Banking Services and Investments).

This is not how a loyal, responsible customer should be treated. I strongly caution anyone considering this bank.

A call customer service I asked couple questions they said yes yes yes it was all lie.
If somebody is such a bad review don't even try to communicate with them

Missed a payment by a few days due to financial difficulties and they called my wife and scolded her to the point of tears by saying how irresponsible she is and that she should have never signed up if she didn’t plan on paying it. I canceled my card and we’re paying hers off as soon as possible and canceling. Terrible customer service and disgusting behaviour by the woman on the phone.

Tried using my Canadian Tire Mastercard for an online purchase.
Transaction failed with a 3DS authentication error.

Called customer service.
They put me on hold and said they “fixed it.”
Told me to wait five minutes and try again.

It still didn’t work.

Used my Visa immediately after.
Same purchase.
Worked on the first try.

That tells me the issue wasn’t on the merchant side.

That’s not real support.
No explanation.
No actual solution.
Just guesswork and sending the customer back to retry.

If your fix doesn’t work, you didn’t fix anything!

Very frustrating experience.

As a loyal customer, I am extremely disappointed with the way my account and recent inquiries were handled, both in terms of communication and customer service.

5 months ago I was temporary hospitalized I fell behind on a 2 payments. As soon as I was able, I contacted customer service to explain the situation and was led to believe that if I paid the full balance, I would be given grace and my account would not be flagged for missing any payments. I did exactly that the very next day, paid my 2 missed payments plus more and over the following months, I consistently made payments well above the minimum—often $300–$400 on a $1,800 limit.

Now 5 months pass, I reported my card as stolen during this time I was then offered a credit limit increase to $3,000. I declined at the time because I had not yet received my replacement card and wanted to wait until it arrived. I was told the offer would still be available within that timeframe my card should come in.

When I called back after finally receiving my card (which took longer than expected), I was met with rude and dismissive responses. I was told I had “missed the promotion” and that nothing could be done, I asked to speak to a supervisor and he told me rudely that despite what the customer service rep told me that day there was no grace given despite the effort I had made to correct my account immediately. Speaking to a supervisor didn’t improve the situation—if anything, the attitude from him was worse than the first service rep.

What’s frustrating is that I was eligible for an increase one week, and then suddenly not the next, with no real consideration of my recent payment history. (Over 5 years of steady payments on time- 2 missed! )

On top of that, the interest rate on this card is extremely high—virtually at the maximum allowed in Canada—which makes it even harder to justify, especially given the level of service I experienced.

I ultimately chose to cancel my card. Situations like this should be handled with more consistency, accountability, and respect—especially when a loyal customer makes a real effort to fix things and have a respectful conversation.

Three card blocks in one week—even after contacting customer service—and when escalated, I was told “you need to understand we are protecting ourselves from fraud” instead of receiving any acknowledgment or resolution. Repeated disruption with no accountability makes this card unreliable. After years as a loyal customer, I’m done.

have been trying to sign in for a year now takt to several liv customer service reps. same story every time with sign in codes which do not work stopped shopping at Cdn tire

CT Mastercard is great with the stores and the benefits it offers. However, the customer service is horrible and rude over the phone. I spoke to an agent today, and he had a very condescending tone and could even give a proper explanation to my questions.
2) The account details provide so many different balances that you can't make out which one to pay (??). It is a very badly designed visual for customers to understand.
Hope this feedback will improve their system and customer handling behaviours.

Our home was reduced to ashes and all our documents were destroyed. Canadian Tire Bank did not replace the credit card so we could pay them. Instead they were very difficult to deal with by sending each call to a "security team" who constantly were cutting off the calls by disconnecting. They did not replace the card and instead cancelled the account and sent it to a collections agency. Very cold hearted and did not help us at all at the worst time of our lives.

Loyal customer over the years. Encountered an issue today and been on the phone with MC almost the entire day with no avail. Horrible see through, horrible customer service, horrible customer care. I do not recommend. There are so many other companies out there that do better.

IF THERE'S ZERO STAR, I'LL GIVE IT A ZERO. WORST CUSTOMER SERVICE. I WAS ON A CALL WITH AN AGENT AND ASKING IF I COULD UPDATE MY LAST NAME ON MY ACCOUNT AS I HAVE REVERTED BACK TO MY LEGAL LAST NAME. I WAS ASKED TO SEND THEM A GOVERNMENT ID TO SUPPORT THE REQUEST, SO I DID. ANOTHER WEEK PASSED, I GOT A MAIL ASKING FOR A FEW MORE DOCUMENTS SO I SENT MY DIVORCE JUDGEMENT, MY DRIVER'S LICENSE AND MY BIRTH CERTIFICATE. ALTHOUGH I FEEL LIKE IT'S TOO MUCH TO ASK, I STILL SENT THEM JUST TO GET THROUGH IT. WEEK AFTER I RECEIVED THE SAME GENERIC LETTER ASKING FOR MORE. LIKE WTF! I HAVE UPDATED MY LAST NAME WITH TD, CAP ONE, RBC AND SCOTIA WITH ZERO ISSUES. THEY JUST LOOKED AT MY DRIVER'S LICENSE, UPDATED THE SYSTEM AND SENT ME A NEW CARD WITH MY UPDATED NAME ON IT. CANADIAN TIRE IS RIDICULOUS! (ASIDE FROM HIGH INTEREST). I AM SO DISAPPOINTED WITH THEIR CUSTOMER SERVICE. THE GIRL WHO I FIRST TALKED TO IS INEFFICIENT, ONE SIMPLE TASK AND IT'S TAKING HER FOREVER. IF FOR THIS SIMPLE REQUEST THEY CANT BE EFFICIENT, WHAT MORE ON BIGGER STUFF. POOR.

I recently called CT bank for some assistance where I was almost immediately transferred to a sales rep named Roxanne from Ontario. She was extremely kind and helpful and her customer service was extremely professional. I would be more than pleased to have Roxanne assist me again in my financial future and I would recommend her boss and supervisor giving her a kudos and the recognition she deserves. When it comes to banking especially online it has proven to be difficult for most. When dealing with someone like Roxanne, the process was extremely easy and enjoyable. This is how banking and customer service should be. She truly is the difference that has given me the confidence in CT bank and that will keep me as their customer! I hope there are more Roxanne’s in this world! Thank you Roxanne<3

I stopped using their card. And after some time for a tax reasons I wanted to access my statements. Turns out I have to pay now $3 for each month for them to be emailed to me, because they closed an account and now I can't access them online as I used to be. Customer friendly company would at least warn me to download all my statements before locking me out.

I wouldn't recommend this company. The website is terrible. It's confusing and you have to figure out what everything means every time you look at the online statement. It seems to always have technical issues, whether from logging in or using the site.

As for purchases, I regularly have to use another card for online purchases because they get rejected regularly when purchasing from big box companies.

The customer support is 50/50. Maybe worse, but I am trying to be nice. Sometimes they are good, helpful, nice. The rest of the time they talk to you like you are absolute garbage and they treat you like they think you're an idiot, a hassle, or an inconvenience.

This company is a complete waste of time and if I could give it a negative rating, I would give it a -10.

I wouldn't wish this company and their services on my mortal enemies.

I’ve had my card since 2018 and it’s a great card I do love the points . I’ve rarely ever encountered rude customer reps every one seems to be super helpful. The card is amazing I also have capital one but I do love using the triangle card for points.