| rev:text
| - I would liken PC Financial (Mastercard) to dating a guy that you thought was amazing but years later you realize he's turned into a huge douchebag.
It all started innocently enough. I decided to get another credit card, and there were amazing rewards with free groceries, all sorts of gift certificates to different companies, etc.
Their online website was a bit late 1990s, but hey, it was fine! it did what I needed it to do! Besides, I was always someone who pays my bills on time, so I didn't care about fees or interest.
Then, all of a sudden, as I was redeeming my PC points, I realized that you could only do it for Loblaw groceries. That was OK since we all need groceries, but why wasn't I told?
Then, they started giving you less points for the amount you spent. What incentive was there to stay really? I was using $30 a month on it.
So, I decided to log into my account to see what was going on... only to find that they had changed the entire interface and I no longer remembered my password. So, I tried a couple, then it locked me out. So I tried calling PC Mastercard to reset it... I was on hold for a half hour before I frustratingly gave up. I tried the next day. On hold for half an hour. AGAIN.
I called again the next day, and I finally got through after 20 minutes. I decided at that point that they had wasted enough of my time and there was no point in having this card any more. I cancelled it, but before I did that I asked them to tell me if I had any remaining balance on the account so I could pay it off. They told me I did not.
So, two months pass and I no longer have this card. In the mail, I get a notice saying that I owe PC Mastercard some money.
WTF! They told me I paid everything off!
I angrily called them demanding why suddenly there was outstanding payments on it. I cancelled my card months earlier. They told me that there were a couple charges from a couple weeks before the card was cancelled, and they said it probably wasn't posted at the time. Now.... it would make sense if it was 2 or 3 days after, but 3 weeks? And for that matter, charges for Loblaw, who runs this bank with CIBC? Now that is just plain ridiculous.
The person on the other line was condescending and rude. He said that since I had closed my account, there was nothing he could do about the charges. His manager apparently also could not help. The whole operation is a complete sham!
Since this incident I have also spoken to other people who have had similarly frustrating experiences. Don't be fooled - go to a legitimate bank to get things done. This bank is not worth your time or money.
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