Canadian Tire Financial Services Opiniões 

I requested a card, I see the request on my credit file and CT Bank never gave any feedback. No decline, no approval, no card. I called to get a status, she said it may have been "purged" from their system as it's been over a month. This shows that CT Bank doesn't care about new customers and just "purge" them. My credit is top notch, nobody refuses me a card. During the call, the agent said she'll contact the lenders to see if they have anything, after a few minutes of on hold music, the line was disconnected. No call back. This kind of attitude from CT bank is a major road block for me. I would highly recommend to stay away.

Worst customer service ever. Never asked security questions just to release a hold which done by themselves. So disappointed.

Hands down the best credit card company in Canada. The customer service agents are wonderful and I love dealing with them. I have tried everyone in Canada that I know of and CT is just superior.

Website does not work when accepting a " must read" section

Went to use my card that had a $20000 limit and it was declined while trying to make a $3200 purchase. According to the representative I spoke to. if you don’t use the card for a certain period they just cancel i without warning. I’ve never missed a payment while dealing with them.

Convenient mobile app, good offers and points value for redeeming in ct stores

Almost a year later and still no response from this company. Horrible bank, horrible brand, I’ve totally stopped shopping there and get everything online from Amazon

Originally thought this was a decent opportunity for me to build my credit. I will be closing my account over a 5.97 "interest" charge from the previous owing amount (that I had paid in full BEFORE the interest was charged). On hold for a long time, no answer and I cant be arsed to sit here and wait for them to answer. Will pay the stupid 5.97 and close the account.

I was booked to fly abroad and was scrambling to look for my CT world elite card. About a week before my flight, I decided to order a new one.

They cancelled my CT card, and processed shipping a new one (this a bit after mid November.)

A couple days before my flight, I found my card.

Got around to calling CT hotline, and explained the situation, and asked if there was anything we could do here, or if she could advise what the next best move is.

All the agent Lisa said to me was "there's nothing we can do".

Then silence.

I was a bit upset by her initial response, as she came across as rude and not wanting to help at all.

Her tone felt a bit condescending as well.

I asked her if I could reactivate my original card since I have it on my person.

She said again "there's pretty much nothing we can do". Not even a sorry if I recall correctly.

She then added "We can't reactivate the original card, we can't ship internationally"

It was a pretty bad experience in my opinion, and I'd really like to have a supervisor or manager review the conversation and share what they think.

Judging by the other reviews here, I'd say this is the standard customer experience.

Canadian tire auto shop is also filled with terrible support agents as well.

It's like their customer support training is centered on treating customers like garbage. You go there to spend good money for Winter tires and get trash experience.

Call CT bank and they talk down to you as if they don't need the interest payments we CT bank customers bring them.

Will never get my tires change at Canadian Tire, nor will I ever get another CT card again.

Bernard
from Niagara Falls CTFS Customer Service Centre
He is like a breeze of fresh air in a cesspool of Chatbots, No-English-Freshly-Hired Tim Hortons employees, or 15 minutes of "Choose Following Options"
He singlehandedly turn my ship of hatred toward calling Customers Service around
Keep up a good job, Bernie!

I called to rectify a situation where I was double charged. Called in one day and the representative said that they will reverse one of the charges. I asked confirmed with him that it will not show up on my next statement. When I received my statement, of course the double charges were there! I called again and was treated very rudely by a woman that was the supervisor. She said that it was not possible to reverse charges and that I had to take it up with the merchant. I told her that I had called earlier in the month speaking with a gentlemen about the situation but of course there was no record of it! I have no clue how they train their agents but it looks like any clown can get a job there!

This is a terrible company to deal with. They will tell you lies and treat you very poorly. If I can give zero stars if I could! Go with a different financial institute!

First, I'm 66, have absolutely no debts, own my home free and clear, always pay off my PC Mastercard fully every month, have an impeccable credit rating and have never been tardy on any payment in my life. No deadbeat here. I went through all the proper protocols to apply to open a savings account so I could invest in a GIC. I was not seeking credit.

Yet, this "bank" mailed me their account application kit - together with another letter stating their refusal to allow me to open any account with them, inviting my enquiry in case of questions... so I phoned as instructed. After proving my identity, the rep then flatly refused to explain the basis of their refusal letter, wildly alleging "privacy concerns" while insisting "we do not have to tell you that information" when I asked what the problem was (in hopes of resolving it).

No help here, so I requested a supervisor, who came on the line and repeated exactly the same words. When I requested my call's transfer to a department where an answer might be possible, she simply put me on hold and left me there. After fifteen minutes of waiting in complete silence, I figured out their customer enquiry policy is to "put them on hold and they'll eventually go away", so I hung up.

As these goofs refused to work with me on resolving something as simple as an obvious account opening glitch, I certainly wouldn't trust them to be in control of my savings or investments, particularly if there should arise any question as to my right to its return when requested.

Trust the other reviews here and stay away from this terrible excuse for a Canadian cyber bank. They are irresponsible, uncooperative, arbitrary and unaccountable for any unjustifiable actions they take, elevating pathetic to a whole new level of stupidity.

I'll never shop in a Canadian Tire again. Their entire brand is tainted now because of this, my business apparently not appreciated. Shame, because they've torpedoed a formerly profitable customer relationship. I used to think highly of Canadian Tire and shopped there regularly. Certainly, not anymore.

Reader be warned!

super rude customer service , asked for supervisor who was even much rude than the rep, my total call was 1-2 min, supervisor hanged in my face while i was talking !

Wish I read these reviews. Im young, I had no one to teach me about finances as a kid and when i turned 18 i had issues with a credit card due to my financial issues and life. It took me several years to get my credit sorted back out and i finally had a good score again. I was unsure if i should get another card and this company proved me right this time. They gave me a card with a very small limit and never mentioned that going over a certain percentage of your limit would negatively impact your score. My credit score dropped 20 point in 2 months. Even though i paid my card in full every two weeks. The final straw though was my last payment was made Oct10th and they still have a hold on my payment and said it wont be released till the 23rd. when i spoke to a supervisor She said i could fax them proof it sent but im tired of the payment run arounds. So today i closed my account. DO NOT GET THIS CARD!!

Paying your bill on time. Paying bills online (eTransfer) takes 4-5 days to appear in your account - this card is trying to force you to pay interest. Do Not get this Mastercard

There is a serious security breach with this company and everyone needs to be aware! I applied with my SIN, info and address, I then brought in my ID after receiving several emails and letters saying I was approved. I called and they say they must have used someone else’s info for my approval and once looking at my ID with the same info I wasn’t approved. This is incredibly concerning given the info provided they clearly do not have a secure system. Not to mention the people answering the phone are the rudest people I’ve ever dealt with.

I recently had an experience with CTFS that left me quite disappointed, especially in terms of their communication. The issue began when I noticed a discrepancy in a charge from a company that had misrepresented the currency they were billing in. Naturally, I turned to CTFS for assistance, hoping they would act as a mediator and help rectify the situation.

Over the course of several months, I made numerous attempts to reach out to them. I sent multiple emails, hoping for updates or at least an acknowledgment of my concerns. It was disheartening to feel as though my concerns were falling on deaf ears, especially when dealing with a matter as sensitive as financial discrepancies.

When I finally received a response from CTFS, it was far from satisfactory. They simply informed me that they couldn't assist in the matter. What was even more frustrating was the lack of transparency. They did not provide any detailed explanation, nor did they share any insights into their communication (or lack thereof) with the company in question. It left me feeling as though I was in the dark, without any support or guidance.

Given this experience, I feel compelled to share my story as a word of caution for potential Canadian Tire credit card users. While the card may offer certain benefits, the customer support, based on my experience, leaves much to be desired. I'd advise considering this card only if you've exhausted other options and are fully aware of the potential challenges in communication and dispute resolution.

Between credit card amounts and payment disputes, I've also encountered dropped phone calls from even the supervisors whenever we try to get my account issues resolved. It's nothing but a circus run! I don't trust Canadian Tire Financial Services at all at this point! I don't want to go into specifics as that's too personal but CTFS definitely needs to get their act together! Not even the finance (collections) departments are on the same page with each other. One group I dealt with says one thing but another says something else. Because of them, I've lost all trust in every form of credit card company/offer there is. These people are terrible!

Silent money takers, website on mobile is horrible, and customer service left the chat in between without completing, no info on missed preauthorized payment, just taking money, no way again for canadian tire mastercard to avoid big problems in future

Automated credit card application refused to accept due to system errors?? This should be a 5 minute automated process. Phone support really do not care at all. I tried to get management on the phone after being told someone would get back to me in 6 weeks, I ended call after sitting on hold for over 30 minutes. Called back to simply cancel my application. A few weeks later they write me to say they tried to contact me (no they did not). Called them back to put a stop to this. As a retired banker I have never seen such a poorly executed credit application process. The way they treated an applicant with a 900 credit rating and an established credit history including home ownership etc. is a joke. They then said you will be approved...advised them to take their credit card, their two-bit "Bank" and stick it.