Credit card FAQ

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.

Fill out the application form

Find a caisse or credit union

1-877-847-8472 Phone number of the card services customer service for Canada and the US. This link will launch your default phone software.

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.

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.

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link will launch your default phone software.

Elsewhere in Canada and the US:

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.

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

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.

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.

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link will launch your default phone software.

Elsewhere in Canada and the US:

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.

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.

See the Payment and transaction FAQ

To change your PIN, call us at 514-397-4415 Phone number of the card services customer service for the Montreal area. This link will launch your default phone software. or at 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. You can't change your credit card PIN at the ATM.

You can change your email address online or by phone.

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.

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 Change your address.
5. Change your email address.

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link will launch your default phone software.

Elsewhere in Canada and the US:

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.

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.

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:

Fill out the contact form and attach the form to request an additional credit card.

Post to the following address:

Desjardins Card Services
450 Boul. De Maisonneuve O.
Montreal QC
H3A 0H2

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link will launch your default phone software.

Elsewhere in Canada and the US:

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.