Account manage­ment FAQ

Questions about managing your credit card account? Learn more about your account statement, balance transfers, credit limit and our cash back and rewards programs.

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• Account statement
• Balance transfers
• Credit limit
• Cash back and rewards programs

Account statement

Yes. You can change the due date on your credit card statement so the bill comes due around the date you'd like.

On AccèsD

To send us a change request, use the AccèsD message box:

1. Log in to AccèsD.
2. In the right-hand menu (or at the bottom of the screen when you log in with the app), select Messages.
3. Select Write message.
4. Under To, select Credit cards and prepaid cards.
5. Under Subject, select Transactions, account statements.
6. Write a message requesting to change the billing cycle. Provide the following information:
   • The name of the account for which you're requesting the change (for example, Flexi Visa)
   • The new due date you'd like
7. Under Reply by, select AccèsD message box.
8. Select Send.

By phone

I don't see my credit card on AccèsD. How do I add it?

If you have a Desjardins credit card and use AccèsD, you should see your card automatically under Cards, loans and credit when logged in with a web browser. If you use the Desjardins mobile services app, you should see your card under Accounts in the Quick access section.

The number on my monthly statement doesn't match my Desjardins credit card number. Is this normal?

Yes. For administrative purposes you have an account number and a Desjardins credit card number.

You can make a credit card payment using your account number or your credit card number. But you can't use your account number to make purchases with your card.

How do I access my Desjardins credit card statement online?

To access your credit card statements online, you have to register on AccèsD.

1. Log in to AccèsD.
2. In the right-hand menu, select Statements and documents.
3. Under Register for online statements and documents, select Credit cards and prepaid cards.
4. Select the card for which you want to get online credit card statements.

When an account statement becomes available, you'll get a notice in your AccèsD message box.

To view your account statements

1. Log in to AccèsD.
2. Under Cards, loans and credit or under Accounts in the Quick access section of the mobile app, select the credit card in question.
3. Select the Statements tab and then View all statements. You can download your latest statement or select another period.
4. When you use a web browser, from the right-hand menu under AccèsD home, you can also select Statements and documents and then Credit cards and prepaid cards.

1. Log in to AccèsD.
2. Under Cards, loans and credit or under Accounts in the Quick access section of the mobile app, select the credit card in question.
3. You'll see your current balance, available credit and cash back or BONUSDOLLARS balance. Under Transactions, you can also view your transactions by month or since your latest statement.

Yes. You can access your Desjardins credit card account on AccèsD, even if you're not a member of a Desjardins caisse or credit union. To access your credit card account online, you need to register for AccèsD first. Call us and we'll get you set up.

I can't download my monthly account statement or other PDFs like a void cheque. What do I do?

To help avoid download issues, such as a white or grey window opening or an “about:blank” error message, we recommend the following:

1. Install Adobe Reader on your computer and make sure you have the latest update installed for optimal security.
2. Clear your web browser's cache.
3. Log in to AccèsD securely using the full www.desjardins.com address. To open a session, use the Log in button at the top right of the screen.
4. Update your computer.

Balance transfers

A balance transfer is a way to move your balance to a different card, which may or may not have a different interest rate (for example, from a 19.9% interest rate card to a 10.9% one). There are 2 main reasons for transferring a credit card balance.

To pay less interest and pay off your balance faster

When you transfer your balance to a lower interest card, you can pay it off faster since more of your money goes towards the principal. For the same payment amount, your balance will go down faster on a lower interest card.

To consolidate your payments

If you transfer all your credit card debt to a single card, you only have to make one monthly payment, not several. This makes it easier to manage your finances, with fewer risks of falling behind.

How do I transfer a credit card balance?

You can use AccèsD to transfer your balance from a bank or other financial institution to your Desjardins credit card. Note that you can't transfer a balance from one Desjardins card to another.

To do a balance transfer, you need to log in to AccèsD using a web browser. Balance transfers aren't available in the mobile app.

1. Log in to AccèsD.
2. Under Cards, loans and credit, select the credit card in question.
3. Select Manage card and then select Manage account.
4. In the left-hand menu, under Account management, select Transfer a credit card balance.
5. Enter the required information.
6. Select Continue. Then review the information to make sure it's accurate and select Confirm.

Minimum balance

You must transfer a balance of at least $50. You can transfer an amount up to the available credit limit on your Desjardins card.

Processing time

The transfer can take 5 to 7 business days.

Once I've requested the balance transfers, do I need to keep making payments on my other credit cards?

Yes. You must keep making payments on your other credit cards until the balance transfers are posted to your account statements or the cards are paid off in full. You are responsible for paying your balance on those cards before the statement due date. Under no circumstances can we be held liable for late payments to other banks or financial institutions.

Once the balance has been transferred, will the account be closed automat­ically?

No. We can't close your account at another bank or financial institution. To close your account, get in touch with the issuing bank or financial institution.

Are there admini­strative fees on balance transfers?

No. We don't charge administrative fees on balance transfers.

Can I transfer a balance from one of my Desjardins credit cards to another?

No. You can only transfer balances from credit cards issued by other banks or financial institutions to your Desjardins credit card. Transferring balances between Desjardins credit card accounts is not allowed.

If you have a Desjardins credit card, you can apply to switch to a low-rate card.