Credit card FAQ

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 a caisse or branch

Find a caisse or branch

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 also 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.

In the app

1. Log in to the Desjardins mobile services app.
2. In the Accounts section, select the See all button.
3. Under Cards, loans and credit, select the credit card you want to replace.
4. On your credit card page, select the Account actions menu.
5. Select Manage card and then select the Replace a damaged card link.
6. Select the Replace button.
7. To receive your new credit card at the address in your file, select the Use this address button. To have it sent to another address, select the Contact us link to update your file.
8. Select the Replace button.

In a browser

1. Log in to AccèsD.
2. On the AccèsD home page, under Cards, loans and credit, select the credit card you want to replace.
3. Select the Manage card button.
4. Select the Replace a damaged card link, then the Replace button.
5. To receive your new credit card at the address in your file, select the Use this address button. To have it sent to another address, select the Contact us link to update your file.
6. Select the Replace button.

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)

How do I change the contact information on my credit card?

If you’re a member and have a credit card and other Desjardins products and services, follow the simplified method to change your contact information on AccèsD or in the Desjardins mobile services app. There, you can change your mailing address, email and phone number linked to your products and services. See how to make these changes to your contact info for products and services if you’re a member..

If you have a credit card but are not a member, see how to change the contact information linked to your credit card.

How do I add an additional card to my account?

To get an additional card1, you must be the primary cardholder and apply online or by phone. If your request is approved, you’ll get an additional card by mail with the additional cardholder’s name on it.

On AccèsD

You'll need to use a browser to fill out the request form. The form 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 Account actions, then Manage card.
4. Select Manage account.
5. In the left-hand menu under Online applications, select Request an additional credit card.
6. Fill out the form, making sure all the information is correct, then select Confirm.
7. Print and sign the form. The person you want to add to the account must also sign.
8. Scan the form and save it as a PDF.
9. Fill out the contact form and attach the signed document in the Attachments field. 
   
   You can also send us your signed form by mail to the following address: 
   
   Desjardins Card Services
   450 De Maisonneuve Blvd. W.
   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)

Can I have an authorized user on my individual account?

Yes. You can add authorized users to your individual account.

I have a joint credit card account. Is it still valid? 

Yes, your account will remain joint. You and your joint cardholder will both remain jointly and severally liable for all debts on the account after the modernization of the credit card system is complete.

Will we be able to keep our joint cardholder status once the credit card system modernization is complete? 

Yes. You’ll be able to keep your joint account if you already have one.

What does joint and several liability mean? Does it mean each cardholder is responsible for their own purchases?

No, it means each cardholder is responsible for the entire debt on the account, regardless of who carried out the transactions. 

Can authorized users manage the account in the same way as the primary cardholder?

No, authorized users don’t have account management rights, only cardholders do.

Can I add a joint cardholder to an existing credit card account?

No. You can no longer add a joint cardholder to an existing account.  This option is temporarily unavailable but will be reintroduced in the next few months. 

In the meantime, you can open a credit card account in your name, add an authorized user and give them full access.

Can I open a new joint credit card?

Yes, you can still open a joint credit card. Once the modernization begins in October, you’ll temporarily not be able to open a new credit card with a joint cardholder until we integrate the feature into the new system.  

While this option is unavailable, you can still open a credit card account in your name, add an authorized user and give them full access.

Can I remove myself as cardholder from a joint credit card account?

Yes, you can remove yourself as a joint cardholder from a credit card account. To learn how, call us at 514-878-2973 Phone number of customer service for the credit card management modernization system for the Montreal area. This link opens your phone app. in the Montreal area or 1-855-878-2973 Phone number of customer service for the credit card management modernization system for Canada and the US. This link opens your phone app. elsewhere in Canada and the US.