President's Choice Financial Reviews 

I got my new PC Financial Money card want to activate and no help with qr code online bank and customer service phone number. very very bad services for last 2 days. still not solve my problem. No idea what to do.

Do not bank with PC Financial! Ive been speaking to multiple reps from 5pm to 1030pm. I tried sending my landlord $2100 for my rent and it said I reached my limit. I contacted PC for a temp increase so I could send it but they said they can't, but did say I have $1615 available for the day to send e transfers and $1500 available for atm withdrawals. So I sent myself $1600 from my PC account to my other email. Well that was a mistake, I got an error that I've exceeded my limit even though I was told I had $1615 remaining but yet PC still took out my $1600! Not only did they take it out my account 3 customer service reps have no idea what happened, they can see it wasn't processed but said they cannot give me back the money,they have no option to cancel it nor do I and they cant do anything until I speak with their interact department and even then it can take 48 hours to get my money back. So now im out $1600 and I cant pay my rent on time now and PC pretty much said "not my problem, sorry". Please stray from banking with PC.

I paid off (or so I thought) and closed my PC Mastercard about 5 years ago, got rid of the physical card and deleted it as a "Payee" on my banking app. Fast forward to now: they started relentlessly calling me about a remaining balance of $68.57. This is annoying only because I have no access to my account, nor do I know the 16-digit card number. The first person I spoke with said they'd waive the remaining balance for me. Then, they called again and said that guy was mistaken and they "don't do that". All this time, they refuse to tell me the card number over the phone. Mind you, ALL I WANT TO DO is pay the balance. They have me update my address and say they'll mail me a statement, which will show the entire card number. Statement arrives, DOES NOT show the card number, so I have to call them, AGAIN. This time, the guy says he found a statement that does show the card number, but it's old (from December), so "is it okay if we charge you a $10 fee to be sent this statement?" WHY WOULD THAT BE OKAY? I've been trying to pay this $68.57 balance for a month now; I am NOT paying you people ten more of my dollars. They ended up waiving the fee, but we'll see when this statement arrives if it does show the entire card number. This company preys on young people in grocery stores to sign up for their card... DO NOT do it. Worst credit card experience I've ever had.

I decided to take out some CASH on my PC MASTERCARD.
This is not something I would normally do.
My card got blocked, I do not hold this against them.

However, when I tried to contact the normal CUSTOMER SERVICE # I got the same message. “We are sorry, we are experiencing higher than normal call volumes, please go online and use chat.”

The chatbox is ridiculous.
I tried at least 6 times to contact them and got the same message.

So I decided to turn the tables. I sent them a complaint email. This is what it said.
I need your help and have tried to contact you several times, if I don’t hear back from you in a reasonable amount of time, I will cancel my account.
After 2 days NO response, I sent another email complaint asking that my account be closed.
The next day they called me and asked me why I was closing. I said because of their lousy customer service. They closed the account.
The end.

One of the worst credit cards you can get the customer service is just wrong you can’t understand anything they say they take your credit limit any time they want made a payment of $1000 they only show the it was for $500 I don’t recommend at all this credit card and customer service—⭐️ they give a number to call the number doesn’t even work you call and is just a beeee

i can not log in and i ask for a new password login cause the fingerprint options did not work for their app and their app does not work 80% of the time, i waited so far 1 hour on the line and still not solved

I bought airline tickets from my bank account so I wouldn't have to use credit. That started an absolute nightmare. I bought them through Selloffvacations.com. I booked them on Apr 29, 2026. $1610.42 - the price of 2 tickets - came out of my account on a pending status. On May 1, Delta took $1610.42 as a "booked" status. Selloff sent a release for the original $1610.42 to PC. After several calls of very long wait times and being cut off twice, I reached Miriam in the Fraud Department, who told me they normally do not release the funds for 12 business days. This means that Day 1 is April 30, and they will hold my $1610 until MAY 15!!! For NO REASON what-so-ever. Who can afford to pay for flights twice and have that money held for a total of SEVENTEEN DAYS? Customer Service is awful - they won't do anything for you - you ask to speak with a Supervisor, they put you on hold forever, and then say the Supervisor is busy. You can't speak with a teller. I only opened this account so I could get PC points for bank transactions, but I swear, it is not worth it. Thank God I still have my RBC account. I will deal with them from now on and take my son out of PC, as well as friends that I had recommended this bank to.

I was approved for the card, but it took me a week or two to validate myself so they cancelled it which affected my credit score. Customer service basically just said "meh too bad, cant help ya there bud"

The worst customer service I have ever had. Customer service is not professional nor competent. They almost seem lazy and no etiquette nor politeness. Never been called by my first name as much, and due to their ability to speak the 4 employees I have spoken to mumble, not be interested not aware.

This is why I am closing my account.
Scammy, not effective nor proactive.

Run

I had the misfortune of needing to file a dispute for $5700 from a merchant who used unfair trade practices to dupe me as a consumer. Not once was I on kept 'on hold' less than 2 hrs with the PC Mastercard disputes dept. and their staffer was nothing short of a bonehead who closed my file without phoning or otherwise contacting me at all, after asking me to send a link to the merchant Terms and Conditions - and then I sent in each page photographed from their website--and despite my never having received them or a purchase receipt and despite my having submitted merchant's email agreement to refund my Mastercard in full-- but then who delayed another six weeks, until I informed them of the transaction having been a blatant unfair duping of me and other consumers-- and then they jumped. Meantime PC Master did NOTHING other than to disregard all information I provided them as they requested. They didn't investigate after 20 days waiting period as advertised and I had to prod staffers for help with every status update phone call I made - 6 in all. Many in the dept. don't seem to speak a lot of English and it was arduous and difficult to have their assistance despite being a 30yr customer and keeping a zero balance each month since. That customers are made to wait 2 hrs deliberately as an incentive to using their potentially risky online self-service alternative instead is obvious as a tactic to avoid proper customer service. Ironically they used to be v. good in as recent as 2016 when I also had to file a smaller dispute and they actually came through. Disappointed to say the least.

Absolutely garbage customer service. Trying to cancel my lost credit card. Put me on hold over 40 min with no response yet. Seriously someone must be using my card already. What kind a customer service is this ?? By the way I am still on hold for over 40 min now
God bless my cc.

By the way I got thru to customer service after 1hr 33 minutes and thankfully my card was not used only for 5$ transaction by whoever found my card. So this is the worst I can imagine when it come to customer service. Someone who lost or whose card is stolen, should be given some priority so he can cancel the card before more damage is done. However this so called bank doesn’t think so

I am locked out of my PC Optimum account only because I have a new phone number and my verification code goes to my old phone number. I have been trying to rectify this for over a month now. 5 calls to customer service waiting an hour each time to speak to someone to be promised I will get an email in 24-48 hours and nothing ever comes. Last call I asked to speak with a supervisor and was told no. Then promised a supervisor would call me within 48 hours. That was 4 days ago now. This customer service is absolutely appalling. ALL I NEED TO DO IS CHANGE MY PHONE NUMBER.

Terrible customer service. Bank card is not an actual bank card and transactions move in slow motion so you don’t know your account standing in real time.

Have called in multiple times and have never had anyone resolve any issue I’ve ever had. Just explain it away and try to get you off the phone

Your service is rotten I am paying money towards my bill and it’s being stolen. My bill is not going down I destroyed my PC Card never ever want to shit card again. I am frustrated because no one is answering the phones for hours ridiculous

The staff working at PCF and PC Optimum are the most incompetent staff I have ever spoken with .....(examples) they can't speak proper basic English; they can't comprehend basic English; they are not able to problem solve even the simplest issue; they are not able to resolve issues on a timely basis given the information from their incompetent staff; they won't explain to you information that can resolve issues on the spot; they input false information to prolong your case or make the customers so frustrated that you want to give up, roll over and take the results they want you to take; they lie through their teeth about wanting to help customers........
The bottom line is........THIS IS THE MOST INCOMPETENT RUN SO CALLED CUSTOMER SERVICE DEPARTMENT I have ever encountered with any credit card company.
This company has excellent rewards points offers but they do not stand behind the customers to resolve ANY ISSUES, instead they purposely frustrate you and take your points and ignore fraud purchases in order for them to come ahead.
The fraud department personnel is another issue where they cannot and do not know how to investigate fraud cases. I feel this company was once great but now I will never use their card again due to such utter incompetence.

Jed coulld not have been more helpful. He listened to an account of my circumstances and what I wanted to achieve. He then gave related advice in the form of possible options. There was no pressure. I felt respected and in control. It was the same on both occasions when I approached him on different matters. When I chose what to do the team carried it through and Jed gave clear guidance on my choices. I have had IFAs before and this service put them in the shade. It was customer friendly and efficient, actually worth 5+ stars!

Love their PC Mastercard. I earned 500k optimum points in 3 months. Earns me incredible points for when I shop at No frills. No brainer if you shop at Loblaw banner stores

If you need to contact them you neeed to book a day off work because you can expect to be on hold all day to speak with a representative

Customer service is next to non existent with this company. I had a credit card with them for years and within months it had been fraudulently used several times. I had to prove I was not the one to use it, even though all the charges were in other cities and for things like tuition and tax payments. Super easy to track who used it - but they told me if I couldn't prove it wasn't me, I'd have to pay for them! Fast forward 3 different cards later, all kept getting compromised. At one point a card was compromised without me having even used it. It took me several calls, talking to several people to finally have someone cancel my card with them altogether. 6 months passed and I just received a call that someone is trying to use the card they were supposed to have cancelled, but didn't!!

There is no customer service quality. If you call them for anything, you are garunteed to be on hold for hours. PC doesn't care about their customers at all. I've been a cc holder of theirs for years and the absolute disregard for their customers is disgusting. Do NOT get anything through this company. You will never be a priority. They just want your money.