President's Choice Financial Reviews 

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.

Absolutely terrible, shit customer service, 10min of phone call queues to then wait on hold for 30min: just terrible

Worst service ever. Somehow my card was used in 3 different places across the world. They cancel the card, rushed me one yet never got it. No clue where it is. Now they rush me another one I hopefully get before Christmas. Not counting on it. I cancel 2 trips cuz the card books me hotels. Christmas is coming and I need card to book hotels. Doubt that will happen

In a week I spent over 9 hours on the phone. Hung up on 4 times. They dont put me through to a manager told me I get a call in 24 hours. Its almost 72 hours and no call. They can not tell me why they not only cancel my card but froze my entire account. Money goes in but I can not access money until this card they are rushing me again comes. Its ridiculous.

Other day they told me I could only get account unblocked if they called me. They could not that night. I had call in morning. Call back, verify myself with a code they sent me to then wait 35 minutes so they can call me back. They call back to make me verify myself. Tell me create a verbal password as I need it for future calls. I do this then ask for manager. Tells me call back and you be asked for password. I call back no one asked for password, when I asked why she forgot. They wont give me a manager and told me one will call me back. Still waiting. I have sent 3 emails in past 3 days, no reply. No answers to why my account froze, what going on.

My car loan was not paid cuz they froze it so it was nsf on loan side, they say that they can't do nothing. Now I owe the loan company nsf fees. This bank has caused me a headache and stress before Christmas for something that happened 2 weeks ago. Other banks dont take this long. My card used at 3 different cities at same time and no call yet my other bank calls asap when something odd happens.

This bank security and customer service sucks

I made four calls to +1 866 246 7262 because ALL MY MONEY was gone from my chequing account. I received terrible customer service on every single call.

The first person had no answer and switched me to a second representative who could barely speak or understand what was happening; it seemed to me he was drunk. Then he put me on hold for 30 minutes (maybe to take a shower and have a coffee) and after this gave me another phone number to call. When I asked another question, he just disconnected the call. Maybe he didn't like the question.

Then I made six calls to this "other" number, +1-844-286-7069, left six voice messages, and received no call back, even a few days later.

After that, I made another call to the main number, +1 866 246 7262. A lady put me on hold and then transferred me to a menu where I was able to change my PIN code. There was no explanation—just after the "hold," I was prompted to change my PIN. Just a reminder: I was calling because all my money was gone.

Finally, I made one more call, and someone picked up for 5-10 seconds (maybe to check my profile to find out if he liked me or not), then without a word put me on hold, and then disconnected. So, I was left with no money, not even for food, and no customer support, no answers, and no way to resolve the situation.

I had a fraudulent transaction made on my card, it took me more than 4 hours to get a new card. I waited more than 50 minutes each time to report the fraud and my line was cut off twice after 50 minutes of waiting. When I finally talked to an agent, he promised to send new card via courier but it did not happened. it is 8 business days since it was shipped. I have been using credit card for over 35 years and have never had such rude and inefficient customer services from any credit card provider.

one of the worst customer service, they put you on hold for almost an hour - really bad they dont respect people time. WORST

This is the absolute worst pretend banking service available. The website / App always giving error messages. The wait to speak to customer service is usually a min of an hour. Only to have the customer service rep say I'm putting you on hold but hangs up and doesn't call back. The next rep today was impatient because I asked him to confirm he would call back if the call got dropped and I asked him to wait until we were sure I was able to get into my online account. We reset my password, (which was actually the same password as previous) only for me to thank the rep for his help. No longer did I let him go I proceeded to transfer the funds in my account to my PC MC - I received an Error message.
I tried Etransfering - Received an Error Message I tried a Bill Payment - Received another opps error message that I cannot do that with this account.
I have No Access to MY Funds in my account. I e-transfered that money months ago into the account and Now cannot access it. And now I'm stuck on hold again. Secondly, I had asked the previous representative to delete an old phone # off of my account as it keeps trying to get me to do verifications to an old phone # I have no access too. Sure as shit he said he deleted it only for me to call back and the stupid automated asked me to send a verification to the old phone # again!!
So for your own sanity NEVER OPEN AN ACCOUNT WITH THIS COMPANY. NO ONE IS EVER AVAILABLE at the Kiosk and even when you reach someone on the phone they have no concern about actually helping resolve anything. If I'm lucky enough to get access to my money I will be immediately removing it all and closing this account. I may end up having to file an official complaint to the Better Business Bureau to even access my own money! this is absolutely absurd!

Moved $250 to PCF on November 25, 2025. It's December 3, 2025 today. 9 days have passed and 7 of those days are business days and funds still on hold. They claim to hold money for up to 5 business days. I saved a screenshot

I have been with PC financial for over 12 years. In this time I have been late with a payment 3 times. When I say late I mean 2-3 weeks maximum. My payment was due November 4th, by the 21st they had put a hold on my credit card. Zero communication was had reminding me I was late. I went to make a purchase and I was declined. Shortly after that I get 4 texts in a row telling me they have put my cc on hold until I make a payment. Some of us use ccs for a safety net in an emergency. What if I was paying for a taxi or at the airport and needed my CC for an emergency? I find this practice to be unsafe. Their customer service has gone downhill. Needless to say I have cancelled my account. I do not recommend this company whatsoever. They’re unreliable and unsafe.