Desjardins is one of the leading insurance companies in Canada, which is a great one for Canadians. Don’t be surprised, Desjardins has a bank to their name, which is referred to as Desjardins Bank. This bank makes its credit cards available to Canadians in all parts of the country. As a matter of fact, Desjardins credit cards are offered by the Desjardins credit union based in Quebec.
Desjardins Canada offers an assortment of credit cards, including both Visa and MasterCard options. Available credit cards range from low interest, to cash back, to flexible rewards credit cards you can use to earn bonus-dollars rewards.
Who Is Desjardins
Desjardins Group company headquarters is located in Quebec. The Desjardins Group has also branched out into Ontario since its establishment in 1900 and is now the largest credit union in North America.
They offer all kinds of banking services and credit products to members in both Canada and the US. This includes several long and short-term financing options for expanding businesses.
As a part of their community, you will also have access to plenty of other business benefits, such as monthly discounts when renting merchant terminals.
Pros and Cons of Desjardins Credit Cards
It is believed most people depend on credit for almost everything, but it is very important to understand the policies associated with the loan.
Not every credit you should apply for, some credit is bad while some are good. But, the fact still remains credit. In that case, before we run or itemized the pros and cons of Desjardins Credit Cards. You need to familiarize yourself with something on Desjardin Credit Card
Things to know before choosing a form of credit
====> The term for reimbursement
====> The total cost of the loan, capital and interest included
====> The interest rate, fixed or variable. You must understand this, this might sound simple but the implication is high.
====> Monthly obligations and penalties in case of non-payment. You need to understand the penalty of not paying your loan on the stipulated time. Are you paying monthly or yearly, you need to understand this.
Pros of Desjardins Credit Cards
As promised, this part of the article will run through the pros of Desjardin Credit card.
====> This credit card can be used to pay your school fee
====> Taking advantage of business opportunities
====> Desjardins MasterCard helps you to deal with unanticipated expenses
====> With this credit card, you will be able to make big purchases
====> Investing is possible with MasterCard Desjardins
Desjardins Credit Card Cons
====> This credit card can easily be accessed.
====> Increase in total debt
====> Obligation to repay monthly
====> Cost of credit
Borrowing decisions are important and have to be made knowing all the facts. From their first credit experiences, young people should ask questions and understand their limits so that credit doesn’t become a trap.
My Desjardins Credit Cards Eligibility Requirements
Before you can apply for these credit cards, some requirement must be met. Once you meet the required standard, you can go and apply for the card.
====> Applicant must have a Canadian credit report for at least three years
====> Applicant must reside in Canada or must be a Canadian resident
====> Applicant must be 18 years and above
Application Require Information
While applying for the Desjardins credit cards, you need to provide the following information.
====> Applicant need to provide his or her gross income in the field provided
====> You need to enter your monthly housing costs (rent or mortgage payments) and places of residence
====> Provide means of identification and address information
====> Applicant need to provide his or her employment status and employer information
====> Applicant must provide his or her financial information, such as accounts, other credit cards, investments
How to Apply for Desjardins Credit Card?
Desjardins bank-issued various MasterCard and Visa Card to Canadians who meet their requirement. This part of this article will guide you through the application process for the Desjardins Credit Cards of your choice.
Step 1 ====> You need to visit Desjardins Credit Cards official website or click here
Step 2 ====> On the page, you will come across various credit cards issued by Desjardins Bank. Now navigate to the type of credit card you wish to apply for
Step 3 ====> Once you get your card choice, click on Get this Product
Step 4 ====> Once you click on the button, a small window will pop-up. Here locate and click on the apply button. Through this window, you could make a call via the phone number on the screen
Step 5 ====> Now you need to answer some question, provide the right answer to each question and click on the continue button
Step 6 ====> You will get through the page highlight the eligibility and the requirement, click on the continue button to process with the application process.
Step 7 ====> Read through the information box and click the continue button
Step 8 ====> Now follow the on-screen information to complete the application process. Once you follow the on-screen guide correctly, you should be able to apply for Desjardins Credit Cards.
Desjardin Credit Cards Login Process
Now we are moving forward, we need to login into the online account to be able to perform a transaction. You will be able to access various information about your account online. In other to login into your online account, you need to follow the steps in the article.
Step 1 ====> You need to access My Desjardins official website
Step 2 ====> On the site, locate and click on the login button at the top right corner of the screen
Step 3 ====> After clicking on the login button, a drop-down menu will come up. Because many things can be done here, you will see a series of option.
Step 4 ====> Now, click on the select button to access various part of the site
Step 5 ====> From the menu, you get access to personal and business account, now locate what you want and click on it
Step 6 ====> Since our interested in the online account, click on the Desjardins Bank online banking link
Step 7 ====> After that, click on the Go button
Step 8 ====> Now enter your login details (username and password) in the space provided to access your online account dashboard.
Now that you have access to your online account successfully, you can now enjoy your card. That is all, you are done with the login process.
Visa Desjardins Card Activation Process
One thing is sure before you can use any credit card, you need to activate it. Without activation, a credit card cannot be used; it will only remain an ordinary plastic card.
Desjardins Credit Cards are not exclusive, you need to activate your newly received credit card before you can use it.
The activation process can be done through a phone call. This part of the article will run through the activation process.
Activate your Desjardins Card via Phone Call
Presently, the only means of activating Desjardins Credit Cards is through phone call. This process available 24/7. The toll is free, the number to call is 1 800 563 4401
In case you find it hard through the first phone number, you can also reach out to customer care for activation through this phone 514 397 4419.
You need the documentation that was sent with your card (for the control number) to complete the process. You should also be prepared to choose a PIN number to better secure your account.
Who knows, you might forget or lost your documentation or control number for your credit card. Then, you need to call this number 1 800 363 3380 to speak with a representative. They will be able to assist you in activating your card.