INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.
b) Cash advances (except balance transfers and cheques): all cash advances are subject to credit charges calculated on the average daily balance from the date they are made, at the annual interest rate in effect for the period covered by the account statement. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.
c) Cash advances by equal instalments: cash advances by equal instalments are subject to credit charges calculated from the date they are posted to the account statement to the date they are paid in full, at the annual interest rate in effect for the financing plan offered by Desjardins and chosen by the cardholder. Annual interest rate: based on the financing plan offered by Desjardins and chosen by the cardholder, up to a maximum of 19.90%.
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 9.90%
b) Cash advances (except balance transfers and cheques): all cash advances are subject to credit charges calculated on the average daily balance from the date they are made, at the annual interest rate in effect for the period covered by the account statement. Annual interest rate: 9.90%
c) Cash advances by equal instalments: cash advances by equal instalments are subject to credit charges calculated from the date they are posted to the account statement to the date they are paid in full, at the annual interest rate in effect for the financing plan offered by Desjardins and chosen by the cardholder. of 19.90%.
d) RRSP financing: RRSP financing is subject to credit charges calculated from the date it appears on the account statement to the date it is paid in full, at the annual interest rate in effect for the financing plan offered by Desjardins and chosen by the cardholder. During a deferred payment period – RRSP financing, only credit charges are payable. At the end of the deferred payment period – RRSP financing, payments of principal and credit charges are payable as determined at the time the RRSP financing was made. of 19.90%.
e) Deferred payment financing: credit charges on purchases made by way of deferred payment financing are calculated from the payment due date shown on the account statement, until such purchases are paid in full. If the total amount of a purchase made by way of deferred payment financing is not paid in full on the due date shown on the account statement, it is automatically converted into a purchase by way of equal instalments financing, repayable by equal consecutive monthly payments (“converted balance”) as to principal and credit charges at the ...
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.9% or 12.9% if the cardholder benefits from the Low Interest Rate option.
b) Cash advances and cheques: cash advances and cheques are subject to credit charges calculated on the average daily balance from the date they are made, at the annual interest rate in effect for the period covered by the account statement. Annual interest rate: 19.9% or 12.9% if the cardholder benefits from the Low Interest Rate option.
c) Deferred payment financing: credit charges on purchases made by way of deferred payment financing are calculated from the payment due date shown on the account statement, until such purchases are paid in full. If the total amount of a purchase made by way of deferred payment financing is not paid in full on the due date shown on the account statement, it is automatically converted into a purchase by way of equal instalments financing, repayable by equal consecutive monthly payments (“converted balance”) as to principal and credit charges at the annual interest rate for the equal instalments financing plan offered by the merchant in effect at the date of conversion, by way of 12 equal monthly payments if the converted balance is less than $1,000, by way of 24 equal monthly payments if the converted balance is equal to or greater than $1,000 and less than $3,000, or by way of 36 equal monthly payments if the converted balance is equal to or greater than $3,000. Notice to this effect showing the number of payments and the monthly amount of the converted balance resulting from the conversion from deferred payment financing to equal instalments financing will be sent to the cardholder at least 30 days before the first payment due date. If, between the notice date and the du...
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchase: Credit charges shall not apply to regular purchases appearing on the statement of account provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the statement of account. If the cardholder makes a partial payment only, then credit charges are charged on regular purchases appearing on the statement of account based on the average daily balance on account of regular purchases from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the statement of account. However, if the total balance outstanding indicated on a subsequent statement of account is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.9
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: interest charges shall not apply to regular purchases appearing on the statement of account provided the statement’s total balance is paid in full by the due date shown on the statement. Otherwise, the regular purchases appearing on the statement shall be subject to interest charges in US dollars based on the average daily balance from the date of each purchase until the purchases have been paid in full, at the annual interest rate in effect during the period covered by the statement of account. However, if the balance indicated on a subsequent statement is paid in full by the due date shown, purchases not yet paid shall be exempt from interest charges for the period for which full payment has been made.
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made.
b) Cash advances (except balance transfers): all cash advances are subject to credit charges calculated on the average daily balance from the date they are made, at the annual interest rate in effect for the period covered by the account statement.
c) Cash advances by equal instalments: cash advances by equal instalments are subject to credit charges calculated from the date they are posted to the account statement to the date they are paid in full, at the annual interest
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: Credit charges shall not apply to regular purchases appearing on the statement of account provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the statement of account. If the cardholder makes a partial payment only, then credit charges are charged on regular purchases appearing on the statement of account based on the average daily balance on account of regular purchases from the date of each
a) There are no fees for the registration, receipt and visualization of the virtual statement of account.
b) Registration for the virtual statement of account automatically puts an end to the mailing of the paper version of the statement of account. If the date of registration for the virtual statement of account is too close to the processing date of the cardholder’s statement of account, a statement may be sent by mail to the cardholder in addition to being accessible on AccèsD.
c) The cardholder is responsible for making sure that his computer hardware and software, and Internet access, enable him to receive and visualize his virtual statement of account, and, if applicable, receive emails.
d) Xxxxxxxxxx Group may, at any time, suspend the electronic presentation of the virtual statement of account and send it by mail.
e) Xxxxxxxxxx Group may, at any time withdraw the cardholder privilege of viewing his virtual statement of account if said cardholder uses it in a manner that interferes with the service. The statement of account will then be sent by mail. Xxxxxxxxxx Group also reserves the right to modify, at any time, these terms and conditions of use with a notice posted on AccèsD.
f) The cardholder may, at any time, cancel his registration to the virtual statement of account by advising Xxxxxxxxxx Group by telephone at 0-000-000-0000.
g) The cardholder acknowledges that the virtual statement of account has the same value as the paper version of the statement of account and that it constitutes a sufficient written proof procedure in any legal proceedings.
h) The electronic presentation of the virtual statement of account includes the archiving of statements of account for the 12 last months for a cardholder who is registered to the online virtual statement of account. Unless there is an interruption of the electronic presentation of the virtual statement of account, the cardholder may, at any time, have access to his current month statement of account and his archived statements of...
INTEREST RATES AND CALCULATION OF CREDIT CHARGES a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided the statement’s total balance is paid in full by the due date shown on the statement. Otherwise, the regular purchases appearing on the statement shall be subject to credit charges based on the average daily balance from the date of each purchase until the purchases have been paid in full, at the annual interest rate in effect during the period covered by the account statement. However, if the balance indicated on a subsequent statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made.
b) Cash advances (except balance transfers and cheques): all cash advances are subject to credit charges based on the daily average balance starting from the date they are made, at the annual credit rate applicable for the period covered by the account statement.
c) Cash advances by equal instalments: cash advances by equal instalments are subject to credit charges calculated from the date they are posted to the account statement to the date they are paid in full. These charges are based on the annual interest rate in effect for the financing plan offered by Desjardins and chosen by the cardholder.
d) RRSP financing: RRSP financing is subject to credit charges, calculated as of the date of its appearance on the account statement until fully paid and that, at the annual interest rate in force for this financing plan offered by Desjardins and chosen by the cardholder. During a deferred payment period – RRSP financing, only credit charges are payable. At the expiry date of the deferred payment period – RRSP financing, payments of principal and credit charges are payable as determined at the time the RRSP financing was made.
