CREDIT CARDS - Desjardins.com used wisely, a credit card is a useful and even indispensable payment...
Transcript of CREDIT CARDS - Desjardins.com used wisely, a credit card is a useful and even indispensable payment...
CREDITCARDS
020800
010400
05200
10070030
1502206_brochUnique_DominionLending_AN.indd 1 15-08-25 14:50
2
020800
010400
05200
10070030
A CARD FOR EVERY NEEDWhen used wisely, a credit card is a useful and even indispensable payment tool in so many ways. It helps you build a solid credit history and financial reputation—and makes your life easier when you need to make travel reservations or finance purchases.
Each Dominion Lending Centres Visa card has a variety of features to meet your needs, so keep reading to find out which one is right for you.
1502206_brochUnique_DominionLending_AN.indd 2 15-08-25 14:50
FEATURES AND BENEFITS OF DOMINION LENDING CENTRES VISA PERSONAL CARDS †
BASIC FEATURES
Annual fee
Annual fee for supplementary card
Interest rate (purchases and cash advances)
BONUSDOLLARS® Rewards Program (also applicable to supplementary cards)
Travel (without restriction)
Gift rewards, show tickets
Annual cashback
Administrative charges (overlimit fee, copy of statement charge)
INSURANCE
Trip Interruption and Cancellation Insurance
Baggage Coverage
Emergency Health Care Coverage
Intergenerational Coverage UNIQUE IN CANADA
Common Carrier Accident Coverage
Auto Rental Collision/Loss Damage Insurance
Mobile Device Insurance
Extended Warranty and Purchase Protection
OTHER BENEFITS AND OPTIONS
Accord DTM financing
Hertz discount
Low interest rate
No fee
No fee
19.9%
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Included
Up to 10%
Upon request $30/year – 12.9%
STUDENTStart building your credit
† All rates and fees are effective August 31, 2015, and are subject to change without notice.
1
1502206_brochUnique_DominionLending_AN.indd 1 15-08-25 14:50
FEATURES AND BENEFITS OF DOMINION LENDING CENTRES VISA PERSONAL CARDS †
BASIC FEATURES
Annual fee
Annual fee for supplementary card
Interest rate (purchases and cash advances)
BONUSDOLLARS® Rewards Program (also applicable to supplementary cards)
Travel (without restriction)
Gift rewards, show tickets
Annual cashback
Administrative charges (overlimit fee, copy of statement charge)
INSURANCE
Trip Interruption and Cancellation Insurance
Baggage Coverage
Emergency Health Care Coverage
Intergenerational Coverage UNIQUE IN CANADA
Common Carrier Accident Coverage
Auto Rental Collision/Loss Damage Insurance
Mobile Device Insurance
Extended Warranty and Purchase Protection
OTHER BENEFITS AND OPTIONS
Accord DTM financing
Hertz discount
Low interest rate
No fee
No fee
19.9%
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Included
Up to 10%
Upon request $30/year – 12.9%
No fee
No fee
19.9%
Optional: 1% of purchases awarded as BONUSDOLLARS, $30/year
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Up to 10%
Upon request $30/year – 12.9%
No fee
No fee
19.9%
0.5% of purchases awarded as BONUSDOLLARS.Optional: 1% of purchases awarded, $30/year
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included with 1% BONUSDOLLARS option
Included
Included
Up to 20%
Upon request $30/year – 12.9%
STUDENTStart building your credit
CLASSICIndispensable
NO-FEE GOLDAll the benefits of a Gold card, without the fees
† All rates and fees are effective August 31, 2015, and are subject to change without notice.
1 2 3
1502206_brochUnique_DominionLending_AN.indd 2 15-08-25 14:50
No fee
No fee
19.9%
Optional: 1% of purchases awarded as BONUSDOLLARS, $30/year
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Up to 10%
Upon request $30/year – 12.9%
No fee
No fee
19.9%
0.5% of purchases awarded as BONUSDOLLARS.Optional: 1% of purchases awarded, $30/year
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included with 1% BONUSDOLLARS option
Included
Included
Up to 20%
Upon request $30/year – 12.9%
$110
$30/year
19.9%
1% of purchases awarded as BONUSDOLLARS
None
Max. $2,500/pers. before departureUnlimited after departure
Up to 60 daysUp to $1,000/pers.
Up to 60 daysUp to $5,000,000/pers.
Included
Up to $1,000,000/pers. in the event of accidental death or dismemberment
Maximum 48 days
Included
Included
Included
Up to 20%
Upon request $30/year – 12.9%
$50
$10/year
10.9%
1% of purchases awarded as BONUSDOLLARS
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Included
Included
Up to 20%
CLASSICIndispensable
NO-FEE GOLDAll the benefits of a Gold card, without the fees
TRAVEL GOLDAll-inclusive travel insurance
LOW-RATE GOLDThe satisfaction of a low rate, the joy of rewarding yourself
3 54
1502206_brochUnique_DominionLending_AN.indd 3 15-08-25 14:50
$110
$30/year
19.9%
1% of purchases awarded as BONUSDOLLARS
None
Max. $2,500/pers. before departureUnlimited after departure
Up to 60 daysUp to $1,000/pers.
Up to 60 daysUp to $5,000,000/pers.
Included
Up to $1,000,000/pers. in the event of accidental death or dismemberment
Maximum 48 days
Included
Included
Included
Up to 20%
Upon request $30/year – 12.9%
$50
$10/year
10.9%
1% of purchases awarded as BONUSDOLLARS
None
3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure
3 days no chargeUp to $500/pers.
3 days no chargeUp to $5,000,000/pers.
Included
Included
Included
Up to 20%
$169
$50/year
9.9%
1% of purchases awarded as BONUSDOLLARS
1% on net purchases over $20,000 credited once a year to the account (max. $800/year)
None
Max. $2,500/pers. before departureUnlimited after departure
Up to 60 daysUp to $1,000/pers.
Up to 60 daysUp to $5,000,000/pers.
Up to $1,000,000/pers. in the event of accidental death or dismemberment
Maximum 48 days
Included
Included
Up to 20%
TRAVEL GOLDAll-inclusive travel insurance
LOW-RATE GOLDThe satisfaction of a low rate, the joy of rewarding yourself
PLATINUMBy invitation only
5 6
1502206_brochUnique_DominionLending_AN.indd 4 15-08-25 14:50
TABLE OF CONTENTS
n STUDENT 2n CLASSIC 4n NO-FEE GOLD 6n LOW-RATE GOLD 8n TRAVEL GOLD 10n PLATINUM 12n BONUSDOLLARS®
REWARDS PROGRAM 14n ACCORD DTM FINANCING 16n PRIVILEGES AND SERVICES OFFERED WITH
DOMINION LENDING CENTRES VISA CARDS 17
1502206_brochUnique_DominionLending_AN.indd 1 15-08-25 14:50
2
VISA STUDENT
MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year, complimentary insurance coverage for trips of three days or less outside Canada or your home province.
Coverage may be extended for longer trips.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Trip Interruption and Cancellation Insurance 4 Up to $500 per person before departure and up to $1,000 per person in the event of cancellation after departure.
• Baggage Coverage Up to $500 per person against theft, damage or delayed baggage.
• Travel assistance service Available at no charge 24/7 from anywhere in the world.
1Start building your credit
1502206_brochUnique_DominionLending_AN.indd 2 15-08-25 14:50
3
PAYMENT REMINDERForget forgotten payments. Simply provide your email address, and if a payment has not been received three days before your account due date, you’ll be sent an email reminder.
No annual fee3 – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?TO BUILD A CREDIT HISTORY, IT IS BEST TO CHOOSE A CREDIT CARD WITH A LOW LIMIT, MAKE A FEW PURCHASES EACH MONTH, AND PAY OFF THE BALANCE IN FULL BEFORE THE DUE DATE.
1502206_brochUnique_DominionLending_AN.indd 3 15-08-25 14:50
4
VISA CLASSIC
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year, complimentary insurance coverage for trips of three days or less outside Canada or your home province.
Coverage may be extended for longer trips.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Trip Interruption and Cancellation Insurance4 Up to $500 per person before departure and up to $1,000 per person in the event of cancellation after departure.
• Baggage Coverage Up to $500 per person against theft, damage or delayed baggage.
• Travel assistance service Available at no charge 24/7 from anywhere in the world.
2Indispensable
1502206_brochUnique_DominionLending_AN.indd 4 15-08-25 14:50
5
OPTIONAL BONUSDOLLARS®
REWARDS PROGRAM1% of purchases awarded as BONUSDOLLARS, for just $303 a year.
Groceries, clothes, gas… BONUSDOLLARS accumulate quickly!
See page 14 to learn about the ways you can take advantage of this program.
No annual fee3 – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?FOR DAY-TO-DAY PURCHASES MADE WITH YOUR CREDIT CARD, YOU HAVE A 21-DAY GRACE PERIOD FROM THE DATE YOUR ACCOUNT STATEMENT IS ISSUED TO PAY OFF YOUR TOTAL ACCOUNT BALANCE WITHOUT INCURRING INTEREST CHARGES.
1502206_brochUnique_DominionLending_AN.indd 5 15-08-25 14:50
6
VISA NO-FEE GOLD
BONUSDOLLARS® REWARDS PROGRAM• 0.5% of purchases awarded as BONUSDOLLARS,
with no fees.
• Earn double the BONUSDOLLARS for just $303 a year.
See page 14 to learn about the ways you can take advantage of this program.
THREE-DAY TRAVEL INSURANCE2 No matter how many trips you take during the year, complimentary insurance coverage for trips of three days or less outside Canada or your home province.
Coverage may be extended for longer trips.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Trip Interruption and Cancellation Insurance4 Up to $500 per person before departure and up to $1,000 per person in the event of cancellation after departure.
• Baggage Coverage Up to $500 per person against theft, damage or delayed baggage.
• Travel assistance service Available at no charge 24/7 from anywhere in the world.
3All the benefits of a Gold card without the fees
1502206_brochUnique_DominionLending_AN.indd 6 15-08-25 14:50
7
MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.
Included with 1% BONUSDOLLARS option.
OTHER COVERAGE• Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date when you use your card to purchase eligible items, up to a maximum of $50,000 per account per year.
• Extended Warranty1 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card to purchase most items.
No annual fee3 – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?TO KEEP A BALANCED BUDGET, YOUR DEBTS SHOULD NOT EXCEED 10% TO 15% OF YOUR NET INCOME, NOT INCLUDING MORTGAGE PAYMENTS.
1502206_brochUnique_DominionLending_AN.indd 7 15-08-25 14:50
8
VISA LOW-RATE GOLD
LOW FIXED RATE Guaranteed savings thanks to a low fixed rate of 10.9% applicable on purchases and balance transfers.
BONUSDOLLARS® REWARDS PROGRAM1% of purchases awarded as BONUSDOLLARS.
See page 14 to learn about the ways you can take advantage of this program.
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year, complimentary insurance coverage for trips of three days or less outside Canada or your home province.
Coverage may be extended for longer trips.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Trip Interruption and Cancellation Insurance 4 Up to $500 per person before departure and up to $1,000 per person in the event of cancellation after departure.
• Baggage Coverage Up to $500 per person against theft, damage or delayed baggage.
• Travel assistance service Available at no charge 24/7 from anywhere in the world.
4The satisfaction of a low rate, the joy of rewarding yourself
1502206_brochUnique_DominionLending_AN.indd 8 15-08-25 14:50
9
MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.
OTHER COVERAGE• Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date when you use your card to purchase eligible items, up to a maximum of $50,000 per account per year.
• Extended Warranty1 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card to purchase most items.
$503 annual fee – 10.9% interest rate
DID YOU KNOW?IF YOU PLAN TO REQUEST A CREDIT LIMIT INCREASE, IT IS BEST TO DO SO JUST ONCE A YEAR AS MULTIPLE REQUESTS IN THE SAME YEAR COULD AFFECT YOUR CREDIT RATING.
1502206_brochUnique_DominionLending_AN.indd 9 15-08-25 14:50
10
VISA TRAVEL GOLD
COMPLETE TRAVEL INSURANCE5
No matter how many trips you take during the year, up to 60 consecutive days, for you and your family.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Intergenerational Coverage6 For dependent grandchildren.
• Trip Interruption and Cancellation Insurance 4 Up to $2,500 per person in the event of cancellation before departure and unlimited after departure.
• Baggage Coverage Up to $1,000 per person against theft or damage and up to $500 per person for baggage delays.
• Common Carrier Accident Coverage 4 Up to $1,000,000 per person in the event of accidental death or dismemberment.
• Travel assistance service Available at no charge 24/7 from anywhere in the world.
Unique in Canada
5All-inclusive travel insurance
1502206_brochUnique_DominionLending_AN.indd 10 15-08-25 14:50
11
MOBILE DEVICE INSURANCE1
Coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.
BONUSDOLLARS ® REWARDS PROGRAM• 1% of purchases awarded as BONUSDOLLARS.
Your BONUSDOLLARS never expire and you can use them any way you wish. Whether you prefer to sleep under the stars or in a five-star hotel, BONUSDOLLARS let you have it your way.
See page 14 to learn about the ways you can take advantage of this program.
OTHER COVERAGE• Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date when you use your card to purchase eligible items, up to a maximum of $50,000 per account per year.
• Extended Warranty1 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card to purchase most items.
• Auto Rental Collision/Loss Damage Insurance1. When you rent a car for up to 48 consecutive days, and charge the full cost of the rental to your card, you may be covered if the rental car is damaged or stolen.
$1103 annual fee – 19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?ANY CASH ADVANCE OR PURCHASE MADE IN FOREIGN CURRENCY WITH THE VISA CARD IS PAYABLE IN CANADIAN CURRENCY, AND THE CONVERSION IS MADE AT THE EXCHANGE RATE IN EFFECT ON THE DATE THE CONVERSION WAS MADE.
1502206_brochUnique_DominionLending_AN.indd 11 15-08-25 14:50
12
VISA PLATINUM
THE CREDIT CARD THAT GIVES YOU ACCESS TO A MULTITUDE OF EXCLUSIVE SERVICES AND PRIVILEGES1% in BONUSDOLLARS ®, 1% cashback 7 and the lowest fixed interest rate in the country: 9.9%.
EXCLUSIVE CASHBACKAnnual cashback 7 of 1% in the form of an account credit once purchases reach $20,000 per year. Maximum amount of $800 per year paid on the anniversary date of the opening of the account.
BONUSDOLLARS ® REWARDS PROGRAM• 1% of purchases awarded as BONUSDOLLARS.
See page 14 to learn about the ways you can take advantage of this program.
COMPLETE TRAVEL INSURANCE5
No matter how many trips you take during the year, up to 60 consecutive days, for you and your family.
• Emergency Health Care Coverage Up to $5,000,000 per person.
• Trip Interruption and Cancellation Insurance 4 Up to $2,500 per person in the event of cancellation before departure and unlimited after departure.
6By invitation only
1502206_brochUnique_DominionLending_AN.indd 12 15-08-25 14:50
13
• Baggage Coverage Up to $1,000 per person against theft or damage and up to $500 per person for baggage delays.
• Common Carrier Accident Coverage 4 Up to $1,000,000 per person in the event of accidental death or dismemberment.
• Travel assistance service At no charge available 24/7 from anywhere in the world.
OTHER COVERAGE• Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date when you use your card to purchase eligible items, up to a maximum of $50,000 per account per year.
• Extended Warranty1 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card to purchase most items.
• Auto Rental Collision/Loss Damage Insurance1. When you rent a car for up to 48 consecutive days, and charge the full cost of the rental to your card, you may be covered if the rental car is damaged or stolen.
EXCLUSIVE PERSONALIZED SERVICE • Quick response time
• Credit limit tailored to cardholders’ needs
$1693 annual fee – 9.9% interest rate
By invitation from Dominion Lending Centres only.
DID YOU KNOW?1% OF YOUR PURCHASES MADE WITH YOUR VISA DESJARDINS PLATINUM CARD IS CONVERTED INTO BONUSDOLLARS.
IT’S AN EASY WAY TO DOUBLE YOUR REWARDS!
1502206_brochUnique_DominionLending_AN.indd 13 15-08-25 14:50
14
BONUSDOLLARS ® REWARDS PROGRAM
Forget if, except and but: with BONUSDOLLARS, the decision is yours.
Depending on the type of Dominion Lending Centres Visa card, the BONUSDOLLARS Rewards Program offers:
• 0.5% or 1% of purchases awarded as BONUSDOLLARS
The value of your BONUSDOLLARS is easy to calculate 1 BONUSDOLLAR IS EQUIVALENT TO $1.
WAYS TO BENEFIT
TRAVEL8
Whether you prefer to sleep under the stars or in a five-star hotel, BONUSDOLLARS let you have it your way.
Your BONUSDOLLARS never expire and you can use them any way you wish, to pay for all or part of your trip. Plus, with your BONUSDOLLARS, you get to decide where and when you go.
There are no restrictions on:
• destination;
• timeframe;
• accommodations (tourist lodges, inns, hotels, etc.);
• mode of transportation (plane, train, bus, etc.).
1502206_brochUnique_DominionLending_AN.indd 14 15-08-25 14:50
15
GIFT REWARDSBONUSDOLLARS can be redeemed for a variety of quality rewards and gift cards.
SHOW AND EVENT TICKETS9
Is stepping out on the town, catching a show or going to a concert your scene?
Use your BONUSDOLLARS to cover the cost of your concert, theatre, tourist attraction and museum tickets.Just pay for your tickets with your Dominion Lending Centres Visa card and redeem your BONUSDOLLARS later.
For more information: mycard.desjardins.com/dominionlending/bonusdollars
1502206_brochUnique_DominionLending_AN.indd 15 15-08-25 14:50
16
ACCORD DTM
FINANCINGSimple, quick and flexible
A simple in-store financing solution available as a second credit limit on your Dominion Lending Centres Visa credit card. 10 You can use it without reducing your available Visa credit.
Simple
• Purchase financing on goods and services in-store: furniture, pools, renovations, healthcare, etc.
• Financing plans at 0% from some participating retailers!
Quick
• Financing available within minutes. 11
• Funds are made available on your Dominion Lending Centres Visa card, without any other formalities.
Flexible
Flexible payment terms, depending on the retailer:
• Buy now and pay later; no payments or interest due during the grace period.
• Pay in equal monthly instalments, with or without interest.
• Buy now and, following a grace period, pay for your purchase in equal instalments.
To find participating retailers: mycard.desjardins.com/dominionlending/accordd
1502206_brochUnique_DominionLending_AN.indd 16 15-08-25 14:50
17
DISCOVER THE AVAILABLE SERVICES AND OPTIONS – SOME AT NO CHARGE – THAT WILL MAKE MANAGING YOUR FINANCES EASIER.
REMOTE ACCOUNT MANAGEMENT: FREE, PRACTICAL AND FASTManage your account online.
By managing your Dominion Lending Centres account through AccèsD Internet, you can:
• sign up for email alerts (approaching credit limit, minimum payment not received, etc.);
• request a credit limit increase;
• add options (BONUSDOLLARS® Rewards Program, low interest rate, 10 etc.);
• and much more!
PRIVILEGES AND SERVICES OFFERED WITH DOMINION LENDING CENTRES VISA CARDS
1502206_brochUnique_DominionLending_AN.indd 17 15-08-25 14:50
18
CREDIT BALANCE INSURANCE – INDIVIDUALS 12
(OPTIONAL)In the event of death, disability, critical illness or job loss, this insurance can help you repay all or part of your account balance, including Accord D Desjardins financing plans.
• All Dominion Lending Centres cardholders aged 18 to 64 inclusive are eligible.
• The premium is $0.75 plus tax for every $100 of monthly balance.
• No premium is payable when the account balance is zero.
For more information: mycard.desjardins.com/dominionlending/balanceinsurance
VISA PAYWAVE* CONTACTLESS TECHNOLOGY Dominion Lending Centres Visa cards now feature Visa payWave contactless technology, enabling cardholders to pay for purchases of $10013 or less at a wide variety of retailers.
Look for this symbol:
For more information: mycard.desjardins.com/dominionlending/payWave
ZERO LIABILITY IN THE EVENT OF FRAUDThanks to this protection, consumers are not liable for fraudulent transactions. You are not required to pay for any fraudulent transactions made to your account as Desjardins will assume liability.
1502206_brochUnique_DominionLending_AN.indd 18 15-08-25 14:50
19
LEGAL NOTES
* Trademark of Visa International Service Association and used under license.
® BONUSDOLLARS is a registered trademarks of Desjardins Financial Group.
®* Assurant Solutions is a registered trademark of Assurant Inc.TM Accord D is a trademark of Desjardins Financial Group.
1. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®*. Details of your coverage, including terms, conditions, limitations and exclusions, are in the certificate of insurance provided with your card. The certificate of insurance is also available at mycard.desjardins.com/dominionlending.
2. Insurance coverage applies to you, your spouse and dependent children. If you will be taking a longer trip, you must obtain extended coverage from the insurer in order to benefit from the days of coverage offered by the policy (except Common Carrier Accident Insurance). Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For more details, refer to the insurance policies. Some conditions and restrictions apply.
3. Subject to Desjardins Financial Group approval. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Otherwise, any and all unpaid amounts shall be subject to credit charges calculated at the rate of 19,9% until such payment is made in full. Minimum payment due is 2% (for cards with the Low Interest Rate option, the Low-Rate Gold and the Platinum cards) or 5% (for the Students, Classic, No-Fee Gold and Travel Gold cards) of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period (see table below); regular purchases, cash
EXAMPLES OF CREDIT CHARGES FOR A 30-DAY BILLING CYCLE
$100 $500 $1,000
Regular interest rate 19.90% $1.64 $8.18 $16.36
Low interest rate 12.90% $1.06 $5.30 $10.60
Equal instalments financing 19.90% $1.64 $8.18 $16.36
ANNUAL INTEREST RATE AVERAGE DAILY BALANCE
1502206_brochUnique_DominionLending_AN.indd 19 15-08-25 14:50
20
advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Enrolment or renewal fees may apply depending on the card requested.
4. The ticket purchase or transaction must have been paid in full with the Dominion Lending Centres Visa card.
5. Insurance coverage applies to you, your spouse and your dependent children. Some age-related restrictions apply. For Emergency Health Care Coverage and Baggage Coverage, you are only covered for trips of up to the following duration: 59 years old or younger: 60 days, 60 to 64 years old: 31 days, 65 to 75 years old: 15 days, 76 years or older: 15 days for Baggage Coverage and no Emergency Health Care Coverage. No age or duration limit applies to the other coverages. Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For more details, refer to the insurance policies. Some conditions and restrictions apply.
6. Your or your spouse's dependent grandchildren are covered if they are under your direct responsibility and are not accompanied by their parents during the trip. Your grandchildren must be aged between 15 days and 18 years and have no spouse. However, if they are enrolled full time at an educational institution recognized by the competent authorities, they must be aged 24 years or under.
7. The 1% cashback is paid on the portion of the purchases made with the Visa Desjardins Platinum card that exceeds C$20,000. The 1% cashback is paid on annual purchases made on the Visa Desjardins Platinum card up to a maximum of C$100,000 per account, for a maximum of $800 per year. The 1% cashback is credited to the account on the anniversary date of the account opening. If the account is closed before the anniversary date of its opening, no cashback will be paid. If the cardholder’s account is 90 or more days past due and/or if the Visa Desjardins Platinum card is cancelled by Desjardins Financial Group, the cardholder loses his/her right to the 1% annual cashback and no deposit will be made.
8. Each request for payment of BONUSDOLLARS shall consist of not less than 20 BONUSDOLLARS. Exclusive to prestige cardholders (No-Fee Gold, Low-Rate Gold, Travel Gold and Platinum).
9. The following attraction categories are not eligible for this type of transaction: amusement parks, circuses, carnivals, water parks, zoos and movie theatres.
10. Subject to credit approval by Desjardins Financial Group.11. During business hours of Desjardins Card Services, a business
unit of Desjardins Financial Group.12. Insurance is underwritten by Desjardins Financial Security Life
Assurance Company. Loss of employment protection is underwritten by The Personal General Insurance Inc. Eligibility: you must be between 18 and 64 years of age.
13. This amount may be higher or lower in some stores.
The description of basic services, features and optional programs is the most accurate possible at the time of publication. You will be advised of any changes as soon as possible. However, Desjardins Financial Group may not be held liable for changes to, cancellation of, or replacement of the discounts or advantages described herein. All amounts are in Canadian dollars.All rates and fees are effective August 31, 2015, and are subject to change without notice.Dominion Lending Centres Visa credit cards are issued by Desjardins Financial Group.
1502206_brochUnique_DominionLending_AN.indd 20 15-08-25 14:50
1502206_brochUnique_DominionLending_AN.indd 3 15-08-25 14:50
Online
mycard.desjardins.com/dominionlending
By phone
1-866-668-8472
At your local Dominion Lending Centres
Ask a representative to fill out an application with you.
6720
7408
A (0
8-20
15)
Dominion Lending Centres credit cards are issued by Desjardins Financing Group.
APPLY FOR YOUR CARD TODAY!
020800
010400
05200
10070030
This document is printed on Rolland Enviro paper.
1502206_brochUnique_DominionLending_AN.indd 4 15-08-25 14:50