FAQ – Desjardins credit cards – You've gone over your credit limit

We had already been sending letters by mail—in some cases—to let cardholders know when they exceeded their limit. Since August 1, 2019, the Consumer Protection Act requires that all credit cardholders be notified when a transaction on their account causes them to exceed their credit limit.

We post or email notices to all cardholders who exceed their limit to let them know that a transaction on their account has caused them to exceed their credit limit. We will never ask you to provide or confirm personal information by email.

Learn more about fraudulent emails.

No, the Consumer Protection Act requires it. Since August 1, 2019, a notice is sent once per period, that is, by billing month. If you exceed your limit again the following month, you'll receive the notice again. If you don't want to receive a notice, stay under your authorized credit limit.

Sign up for an alert service to be notified in real time when your credit balance reaches an amount that you’ve set.

Register for the Alert service

  • Log in to AccèsD.
  • Select Profile and preferences in the menu on the right.
  • Click Alert service.

You can request a credit limit increase on AccèsD.

  • Log in to AccèsD.
  • Click Options then Manage this account
  • In the right-hand menu, under Account management, click Increase credit limit.

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