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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

No. However, if we suspect fraud, your card may still be locked while you travel. You can lower the chance of this happening by using your PIN for all your transactions abroad.

Make sure that your information is up to date in the Security section in AccèsD so that we can reach you if your card is locked.

If your card has been locked and we can't reach you, you can call us collect at 514-397-4610 Phone number to report a locked credit card. This link opens your phone app..

Sign up for voice authentication before your trip by calling us at 1-800-224-7737 Phone number for customer service. This link opens your phone app.  (1-800-CAISSES).

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

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)

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.

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

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 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

You can change or reset your PIN online or by phone, but not at an ATM.

Online

  1. Log in to AccèsD in a web browser or in our mobile services app.
  2. Select your credit card.
  3. Select Manage card, then Manage PIN.
  4. Change your PIN and select Confirm.

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)

You can change your email address online or by phone.

In the app

  1. Log in to the Desjardins mobile services app.
  2. At the bottom of the screen, select More.
  3. Select Profile and settings, then Contact information.
  4. Under Desjardins card services, select Edit.
  5. In the Contact information section, select Edit under Email address.
  6. Enter your new email address, then select Review.
  7. Make sure you’ve entered your new email address correctly, then select Confirm.

In a browser

  1. Log in to AccèsD.
  2. In the right-hand menu, select Profile and preferences.
  3. Under Profile, select Change contact information.
  4. In the Other changes of contact information section, select Edit under Desjardins Card Services.
  5. Select Edit under Email address.
  6. Enter your new email address, then select Review.
  7. 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.

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.