Credit card FAQ
Questions about our credit cards? Find the answers in our FAQ.
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General questions about credit cards
Select a topic or scroll down for more details.
Applying for or replacing 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
At the 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
- Log in to AccèsD.
- Under Cards, loans and credit or under Accounts in the Quick access section of the mobile app, select the credit card in question.
- Select Manage card and then select Replace a damaged card.
- 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.
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.
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.
- Log in to AccèsD.
- Under Cards, loans and credit, select the credit card in question.
- Select Manage card and then select Manage account.
- In the left-hand menu, under Account management, select Upgrade or switch card.
- 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?
Changing credit card account information
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.
You can change your email address online or by phone.
On AccèsD
To change your email address, you need to log in to AccèsD using a web browser. This feature isn't available in the mobile app.
- Log in to AccèsD.
- Under Cards, loans and credit, select the credit card in question.
- Select Manage card and then select Manage account.
- In the left-hand menu, under Account management, select Change your address.
- Change your email address.
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 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.
- Log in to AccèsD.
- Under Cards, loans and credit, select the credit card in question.
- Select Manage card and then select Manage account.
- In the left-hand menu under Online applications, select Request an additional credit card.
- Fill out, print and sign the form. The person you want to add to the account must also sign.
- 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
Faites parvenir le formulaire à l'adresse suivante :
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 11 PM (Eastern Time)
Saturday and Sunday: 8:30 AM to 8 PM (Eastern Time)