Horrible experience. This is the worst advertisement to actual performance divergence I have seen in Canada so far.
I was on my own getting groceries at Super Store at Heritage Valley Edmonton on December 26 2025, when a lady approached me to promote the PC Financial MasterCard. I should have just listened to my instincts which typically avoid rigorously advertised traps. We debated the points of my refusal to enroll for over 30 minutes as I tried to wriggle out of the marketing gimmick that focused on points and credits.
At the end, not wanting to make her regret taking a role where she never wins, despite trying so hard, I agreed, warning that I do not buy things on credit because I don't gamble with my credit rating, and I already had bad experiences with advertised credit cards prior to that. She assured this would be different, that I could start using the app, and that I would get my card in two weeks.
January 16th, full 3 weeks later, no card delivered. I went on a hunt for this lady multiple times. Called phone lines endlessly to no avail, and eventually got her around the 16th of January. Then another promise of two weeks to receive card in my mailbox.
January 30th, two weeks, no card sent. Another round of fruitless search and the marketers are nowhere to be seen.
It is now February 20, 2026. My credit limit is exhausted. I'm getting warnings. No means of paying off balance. I was on autopilot calls for hours and eventually get a response that sounded more like fraudsters online than customer service people: imagine saying PC Financial never asks for sms codes sent to me but insisting I need to disclose mine to get help from you?
I am transferred between calls just as fraudsters do when one is not winning, and finally advised to wait for another two weeks for another reissued card. I'm also advised to download statements to find account number to pay off.
At this point, my balance stood at $1013.12, over the 1000 limited which I had actually not reached from my spending. I then paid off the $ 1013.12 to the account number.
On the following day, payment has not reflected even though my account was debited. My fine for default in accumulating as I was charged another $30 for late payment that was in no way my own making.
Very disturbing experience.
Does anyone know how to resolve this sort of helpless situation?
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President’s Choice Financial, commonly shortened to PC Financial, is the financial service brand of the Canadian supermarket chain Loblaw Companies.