Does that PDF that the credit card company provides end in .zip instead of .pdf — meaning they are shipping it in a compressed zip archive for added security? If so, neither Preview nor Acrobat Reader will open it in that format and it must be unzipped by double-clicking the Zip archive in the Finder, then opening the PDF.
Although there are PDFs that Apple's Preview handles badly or not at all, Adobe Acrobat Reader should handle any well-formed PDF since Adobe does keep that application current to the PDF spec. Ensure that you have the current version of Adobe Acrobat Reader (23.008.20423 this morning) via its Help menu : Check for Updates…
Preview not only supports TIFs but also multipage TIFs, and other mainstream image formats — though the Finder's Quick Look will only show the first page of a multipage TIF.