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Credit card FAQ

Questions about our credit cards? Find the answers in our FAQ.  

General questions about credit cards

Select a topic or scroll down for more details.

Applying for or replacing a credit card

What do I need to apply for a credit card?

To apply for a card, you must have reached the age of majority in your province or territory of residence.

Sometimes a parent or legal guardian can co-sign a credit card agreement. They can be held responsible for any unpaid, outstanding balances. Contact us. We're here to help you find the right financing product for your needs.

Online

Fill out the application form

At the caisse or credit union

Find a caisse or credit union

By phone

1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)

We can call you when it's convenient.
Schedule a call

 My credit card is damaged. Can I get a new one?

Yes, you can replace your credit card if it's damaged. If it still works, you can keep using it until you receive the new one. You'll receive your new card by mail within 5 to 10 business days after you've submitted your request.

You can request a new card online or by phone.

On AccèsD
  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 Manage card and then select Replace a damaged card.
  4. Follow the instructions.
By phone

Montreal area:

514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES)

Elsewhere in Canada and the US:

1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)

 My card is about to expire, but I haven't received my new card yet. What do I do?

Your credit card is valid until the last day of the month of expiry and is automatically renewed. You should receive your new card at the mailing address we have on file for your account before the card's month-end expiration date.

 My credit card isn't available anymore. What do I do?

Even if your card is no longer offered, you can keep using it and enjoying the benefits and services.

Check the features of our discontinued cards

Looking to get a new credit card? Compare the cards in our current lineup to find the best one for you.

See our credit cards

Private label and co-branded cards

These cards are no longer available and can't be used anymore. If you have one with a balance remaining, you'll continue to receive monthly statements until you pay it off.

Check your credit card's terms and conditions

 I already have a credit card, but want to switch. What do I do?

You can apply to change credit cards online or by phone.

On AccèsD

You need to use your web browser to apply online. This feature isn'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 Upgrade or switch card.
  5. Select the card you want to change and follow the steps.
By phone

Montreal area:

514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES)

Elsewhere in Canada and the US:

1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)

 If I switch credit cards, will my minimum payment change?

If you got your current card after August 1, 2019, your minimum payment will be 5% on regular purchases, cash advances and interest calculated on the balance. Even if you change cards, your minimum payment percentage won't change.

If you have a low-rate card that you started using before August 1, 2019, your minimum payment percentage is under 5%. If you switch cards, your minimum payment percentage will go up to 5%.

Note that any monthly payments for Accord D financing and the option to pay in installments are included in the minimum payment.

Questions about the minimum payment?

See the Payment and transaction FAQ

Changing credit card account information

How do I change my credit card PIN?

To change your PIN, call us at 514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES) or at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES). You can't change your credit card PIN at the ATM.

 How do I change the email address on my credit card account?

You can change your email address online or by phone.

In a browser
  1. Log in to AccèsD.
  2. In the Contact information section, select Edit under Email address.
  3. Select Review.
  4. Make sure you've entered your new email address correctly, then select Confirm.
In the Desjardins mobile services app
  1. Sign in via the app.
  2. At the bottom of the screen, select More.
  3. Select Profile and preferences, then Contact information.
  4. Select Edit under Desjardins card services in the Other changes of contact information section.
  5. Under Email address, select Edit.
  6. Make sure you've entered your new email address correctly, then select Confirm.
By phone

Montreal area:

514-397-4415 Phone number of customer service for the Montreal area. This link opens your phone app.

Elsewhere in Canada and the US:

1-800-363-3380 Phone number of customer service for Canada and the US. This link opens your phone app.

 How do I add another person to my credit card?

You can request an additional card online or by phone. When you add another person to your account (joint cardholder), you are both responsible for paying the card balance, regardless of who used it to make purchases.

On AccèsD

You need to log in to AccèsD using a web browser to fill out the request form. The form isn't available in the mobile app.

We'll mail you the additional card with the joint cardholder's name on it.

  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 Online applications, select Request an additional credit card.
  5. Fill out, print and sign the form. The person you want to add to the account must also sign.
  6. Send the form back to us by email or mail:
By email

Fill out the contact form and attach the form to request an additional credit card.

By mail

Post to the following address:

Desjardins Card Services
450 Boul. De Maisonneuve O.
Montreal QC
H3A 0H2

By phone

Montreal area:

514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES)

Elsewhere in Canada and the US:

1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES)

Didn't find what you're looking for?

We're here to help.

By phone

Monday to Friday: 7 AM to 9 PM (Eastern Time)
Saturday and Sunday: 8 AM to 6 PM (Eastern Time)

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link will launch your default phone software.