President's Choice Financial Reviews 

They try to screw you into getting into debt. When you cannot afford a high limit they keep offering a higher and higher limit. But when you can afford a higher limit they won't give it because they just want to make money off your interest payments. Customer service is complete trash, never once spoke to anyone there that can speak english. If you don't need this card very badly then don't get it, they are just trying to take advantage of vulnerable people.

Getting someone on the phone is hell on earth. more red tapes to get through than the government.

so many questions and long winded shit on the phone when you make a call you can get a heart attack before getting someone on the line. the statement system sucks and the phone person knows nothing there is no statement to veiw but they want you to make a payment.

a vendor was supposed to issue me a refund and did not. i contacted pc mastercard via a dispute form but they have not followed through and they no longer have human customer service or a messaging service like they used to so there is only one of those useless chatbots that gets stuck in a loop. i guess i will try small claims court against pc Mastercard now to recoup the stolen funds

Honestly this is the worst financial institution ever, customer service won’t answer until after 2hrs they will finally pick up and ask you to wait 2-3mins and hung up. Your money just disappeared in you bank and they can’t even explain why, this bank itself it a fraud once your money is missing they give you different excuses for as long as it take so you forget it. Please don’t ever bank with them or trust them with your pay check. They are fraudulent bank .

Crappiest bank on planet earth, I put $20,000 of MY OWN MONEY in MY BANK ACCOUNT??? They locked my account and the “account specialists” keep not answering and just hanging up on me like wtf? PC FINANCIAL GIVE ME MY MONEY

4 jours après avoir ouvert le compte pc argent, on le ferme sans explications, on te rembourse ton solde via un chèque ce qui a pour effet de geler ton argent pendant un mois et on te charge des frais pour ça. pire expérience banquaire de ma vie.

I would like to give -1000, but the system would only allow rating 1-5, therefore 1.
I recently make some purchase at Zara as they are on sale. On July 29, I made some returns which my purchase were paid by my PC MasterCard, therefore Zara refunded back to my MasterCard, which I confirmed with customer service today total 12 transactions and around $750. These transactions were pending on July 29, but on July 30, all these transactions were disappeared, not in either pending list, nor in my transaction list. My credit balance showed I owe PC MasterCard over $1500+, excluded what Zara had refunded. So I called PC MasterCard, at the beginning, the customer service couldn't see any transactions happened on July 29, then, after an hour waiting on the phone for the customer service to look into it, she finally found the 12 transactions, but said your transactions"on hold", then I asked when it will be processed, the customer service replied it will take 2 weeks, this sounds weird to me, and also to my question if it is on hold, why it is not in the pending list, the customer service could not answer. This is suspicious, why the transactions all disappeared, and it will take 2 weeks to process? Clearly either their banker stole my money, very unlikely, or the banker made a mistake and transferred my credits to some other person's account, anyway, clearly, they are trying to hide the truth. What transactions need 2 weeks to process, and all these transactions are not showing on my credit history, or pending transaction list, as of now I'm writing this review. I'm very disappointed with PC MasterCard, maybe I should switch to tangerine or some other credit card. Very unsafe, and customer service horrible, not trustworthy.

i've been on the phone for nearly an hour, and I still haven't spoken to anyone

DO NOT GET THEIR MASTERCARD!!! I have had many credit cards over the years but this is the absolute worst by far. There was a block on my account for no apparent reason and it took 3+ weeks just to access my statement online. They said it was unlocked and I tried to use it - declined. I will pay it off and close it. You can’t get any help with customer service - and the wait is always one hour minimum. Don’t waste your time.

I think I'm only reiterating other people's experience but it has been problematic from the start. I have only been with them for a year. At the very beginning, I spent an enormous amount of time working with somebody who had me troubleshooting multiple steps to resolve an issue that would have been 1 interaction with another bank. Right then I decided this would just be a secondary financial option for me. Now, the problems continued again and I barely been using the account. Essentially, every action has has probkems attached. There's delayed communications when I transfer and it takes especially long (I had $1000 in limbo at one point having no idea what was happening or if it was lost in the ether) and now I can't transfer to another account I have. I receive continued errors.

The option is to talk to someone who interestingly was the same person I talked to months ago so I don't think they have a lot of people on this. Companies that have no regard for customer service often do this .. they have a limited number of people that you can contact who have limited authority and they don't apparently have anyone supervisor you can speak to so if you have issues with them so there's nothing you can do. This all led to me expected to navigate technical aspects of the app (which did not make any difference). It seems that they don't give the people in charge of resolving issues much capacity to do really much of anything.

I transferred all my funds out of this bank today. Enough is enough. Life is stressful enough it doesn't make sense to deal with the company that doesn't know how to manage itself properly. They basically make passive money off customers and do little to ensure we are able to rely on the service.

A card that I never applied for was assigned to my credit report. I have spent over 12 hours on the phone and have been told that they have deemed this as fraud, then later that they hadn't and that it was deemed legitimate, then later after listening to me that they again deemed it fraud. They have promised me a letter multiple times within 24 to 48 hours but have never sent the letter they promised. They have not returned calls. They have not provided me with requested information about the account so that I could send it to the police. Hold times are routinely over 1 hour long, and the call has been dropped 20 percent of the times that I have called for no reason.

I've been a PC Financial customer since September 2015 and recently discovered that I had been enrolled in Account Balance Protection (ABP) for many years and paying monthly premiums. Based on my available statements from the last two years alone, I estimate I have paid approximately $1,175 in premiums, and potentially much more over the life of the product.

On June 16, 2026, I contacted PC Financial and requested proof of my enrollment and consent for this optional insurance product. As proof could not be immediately provided, an investigation was opened. I was advised that the review would take approximately 6–10 business days.

More than a month later, I am still waiting for a decision.

During that time, I have contacted PC Financial repeatedly through phone, email, and live chat. Despite multiple follow-ups, I have received no substantive update, no revised timeline, and no explanation for when the review is expected to be completed.

I have also submitted multiple complaints regarding the lack of communication and missed timelines. Unfortunately, I have frequently received inconsistent information from different representatives, and on several occasions agents were unable to locate or verify complaint references that had previously been provided to me.

My frustration is not simply that the investigation is taking time. It is the lack of communication, missed commitments, and contradictory information that have made this experience so disappointing.

I am now considering escalating the matter to the PC Financial Complaint Appeal Office and, if necessary, pursuing the external dispute resolution process available to banking customers.

After more than 10 years as a customer, I expected better communication and accountability. Regardless of the eventual outcome of the investigation, this experience has significantly impacted my confidence in PC Financial.

PC Financial is hands down the most unknowledgeable and unprofessional institution I have ever dealt with.

I called to dispute a $70 point-of-sale debit transaction where a local merchant physically damaged my property during a service.

The first front-line agent I spoke with was completely unknowledgeable, explicitly lying multiple times by claiming that "no Mastercard credit or debit card anywhere in the world allows a chargeback for a disputed service."

When I called back with documented proof of network dispute rules, the next agent tried a completely different stalling tactic, claiming I am legally forced to wait 60 days before a dispute can even be opened. When I pushed back against this fabricated rule, the agent deliberately hung up on me.

Their chatbots are completely useless props, their phone lines are frequently out of service, and their agents use contradictory, scripted lies to protect negligent merchants over their own cardholders.

They deny basic fraud and transaction dispute protection, act with zero accountability, and actively treat the victim like the guilty party. Absolute trash operations.

Bypassing them completely for a formal complaint to the Ombudsman for Banking Services and Investments (OBSI).

Absolutely terrible people, locked my account for no reason no sorry closed it. They are still kaccepting money and now won't let me get my own money they stole the only way I can is by cheque apparently but last month it was no problem when my childtax went in there. They are liars and theives, don't and I repeat do not open an account with them. I'm not going to default on my car payment because of them. So much uneccessary stress. Shame on you.

If I could give 0 stars I would. It’s a real shame companies cannot be held accountable for their shocking customer service and conduct.

Spent 40 minutes and two departments later to be told they cannot do anything about someone illegally trying to take money from my account.

I will be closing my account and moving elsewhere.

Piss poor app, call centres outsourced to companies in countries where they don’t give a shit about who you are or what your issue is.

DO NOT GO WITH THEM! ITS NOT WORTH IT!

I’ll be reporting them to the ombudsman and anywhere else I can, as it’s shocking for a bank to act like this!!

Horrible company to have any of their banking services including credit cards, I did not use my master card over a year, and they deactivate my account, I will never own a card by president choice. Good ridden

I would rate zero stars if I could. Worst bank I've ever dealt with in my life. I waited 90 minutes to talk to someone on the phone and then got disconnected when I finally talked to someone and was placed on hold again. Brutal customer service. Customer service doesn't even speak English. If you want the worst banking experience ever, bank with PC Financial.

Be aware there is noway you can contact this institution. Being on hold for 5 hours, l tried chat online which is a scam & it is virtual.
I tried all the phone numbers during weekdays/ weekend for 4 consecutive days. Nobody picked up the lines, submitted few complaint forms, still no response and don't know really how to deal with fraud message and declined transaction and blocked credit card & account!

Normalement aucun problème, présentement il y a une situation avec des paiements de factures qu'ils n'ont pas été en mesure d'envoyer vers le fournisseur et j'en suis maintenant au 7e appel au service client et encore aucun règlement chaque appel est un éternel recommencement même le système de plainte ne fonctionne pas. Je les aimais et les recommendait, maintenant non ne les prenez pas.

I was overcharged for atm fees putting my account in the negative. Within a day I had money in my account and when I tried to use it it kept saying insufficient funds , but my money was there. Because of the negative balance they said I wouldn't be able to use my funds for 3 days which is bad for me because my bills were due the following day. No matter if it was there fault or not they refused to fix it a d let me use my own money. They are an absolute garbage bank to deal with and will be closing my account permanently. Their customer service is useless, and the problems keep happening with them. . I gave them several chances with earlier problems I've had with them , but they just keep happening . They definitely aren't worth using.