FAQs

 

Frequently Asked Questions and Answers

Online Accounts

  1. How do I access my credit card account online?
  2. What do I need to enrol?
  3. What are the benefits of using my online account?

General Information

  1. How do I replace my Canadian Tire credit card?
  2. How do I change my address information with Canadian Tire?
  3. How do I add an additional cardholder to my credit card?
  4. How do I request a credit limit increase for my Canadian Tire credit card?
  5. How do I apply for a Canadian Tire credit card?

Disputed Transactions

  1. What is a disputed transaction?
  2. How do I dispute a transaction on my account?

Payments

  1. I have just made a payment to my Canadian Tire credit card. Why is the payment not reflected in my credit card balance?
  2. How can I pay my credit card bill?
  3. When is my payment due?

Financing

  1. When do I have to make a payment so that I can avoid being charged interest when I have a Deferred Purchase or Equal Payments Plan on my account?
  2. How will I know when my Deferred purchase will expire?
  3. If I do not pay off the financed purchase before the expiry date, will I be charged interest back to the original purchase date?
  4. Will a Deferred Purchase or an Equal Payments Plan affect the available credit on my Canadian Tire Credit Card?
  5. I have a Deferred Purchase or Equal Payments Plan in addition to other purchases on my account. When I make a payment how is it applied?
  6. How do I finance a purchase at Canadian Tire?
  7. I do not have a Canadian Tire credit card but I want to finance a purchase at the Canadian Tire store, how can I do this?
  8. Is there a fee to finance under the Deferred Purchase or Equal Payments Plan?

Contact Information

  1. Whom do I contact for assistance with my Canadian Tire credit card account?

Privacy & Security

  1. How do I report a fraudulent email message?
  2. What security measures does Canadian Tire use to protect my privacy?
  3. How can I protect myself online?

Online Accounts

  1. How do I access my credit card account online?
  2. What do I need to enrol?
    • Your credit card
    • Some basic personal information to help us confirm your identity and set up security features
    • 10 minutes of your time
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  3. What are the benefits of using my online account?
    • Access your account details 24 hours a day, seven days a week
    • Update your personal information including your phone number and employment information.
    • Organize your finances and even download your information directly to money-management tools like QuickBooks® and Microsoft® Money
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General Information

  1. How do I replace my Canadian Tire credit card?
    • Call Customer Service immediately. If your card is lost or stolen call 1-800-459-6415. If you're traveling outside Canada and the US, call us collect at 1-905-735-7526. We can provide you with a replacement card and/or a cash advance up to $1,000 (service charges apply) if you are traveling.
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  2. How do I change my address information with Canadian Tire?
  3. How do I add an additional cardholder to my credit card?
    • Online: Follow these easy steps:
      1. Login to My Online Account
      2. Click the Manage My Profile tab
      3. Select Request an Additional Card
    • Quebec residents: Due to legal regulations you must print and mail us a signed form before we can add the additional card.
    • By phone: Simply call toll-free 1-800-459-6415.
    • Don’t have an online account? Click here to enrol!
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  4. How do I request a credit limit increase for my Canadian Tire credit card?
  5. How do I apply for a Canadian Tire credit card?
    • Online: You can apply for a Canadian Tire credit card on this website by completing an on-line application. Just click here!
    • In Canadian Tire stores: Look for one of our helpful Field Marketing Representatives as you walk in any store. Or stop by Customer Service and fill out an application.
    • In Canadian Tire Gas Bars: Stop by Customer Service and fill out an application.
    • By phone: Simply call toll-free 1-800-459-6415.
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Disputed Transactions

  1. What is a disputed transaction?
    • It's a posted account transaction that you do not agree with. A disputed transaction can be any of the following:
      • Unauthorized transactions
      • Charges for goods and/or services not received
      • Charges for goods returned where a credit has not been processed by the merchant
      • Duplicate charges
      • Charges processed for the wrong amount
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  2. How do I dispute a transaction on my account?
    • Simply call toll-free 1-800-459-6415. A Customer Service Representative will be happy to help you enter a dispute on your account.
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Payments

  1. I have just made a payment to my Canadian Tire credit card. Why is the payment not reflected in my credit card balance?
    • The time it takes for a payment to show up on your account differs depending on your method of payment. In general, Canadian Tire Store payments will take up to two business days to post to your account. Online Banking payments take up to three business days and mailed payments could take up to two weeks from the time you mail your cheque.
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  2. How can I pay my credit card bill?
    • At a Canadian Tire store: Present your Canadian Tire credit card at the Customer Service desk of any Canadian Tire store to pay by cash, debit or cheque.
    • At a bank: You can pay at most financial institutions across Canada.
    • By mail: Send your cheque using the envelope enclosed with your monthly statement to:
      Canadian Tire Bank
      P.O. Box 4653
      Station A, Toronto, ON
      M5W 5G4.
    • Online: You can pay from most financial institutions’ online banking service
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  3. When is my payment due?
    • Your payment due date is indicated on your monthly statement. The date is calculated as anywhere from 21 to 26 days from your statement billing date. Several factors including weekends, holidays and the varying number of days in each month contribute to this calculation.
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Financing

  1. Deferred Purchase Plan:
    If the only purchase on your Canadian Tire® branded credit card is a Deferred Purchase you will not be required to make minimum monthly payments until the statement after your Deferred Plan expires.
    If you are carrying a balance on your account for other purchases, you are required to make the minimum payment by the due date each month. This minimum payment does not include the portion of your balance that is on a Deferred Payment Plan. However, if you fail to make the minimum payment within 59 days of the statement date, or another default under your cardmember agreement occurs, the deferred payment plan will end and interest will start to be charged on that plan balance.
    Upon expiry, your Deferred Purchase will become interest bearing. To avoid being billed interest on this purchase you must pay the purchase amount by the due date of the next statement after its expiry. If interest is charged, it will be calculated as of the expiry date of the Deferred Purchase, not the purchase date.

    Equal Payments Plan purchase:
    To avoid being billed for interest on an Equal Payments Plan, you must do each of the following:
    (i) pay in full your minimum monthly payment within 59 days of the statement date for all months for the term of your Equal Payments Plan and ensure that your account does not otherwise go into default;
    (ii) pay in full your monthly instalment on the Equal Payments Plan by the due date for that statement.
    If you fail to satisfy the first requirement above, the equal payments plan will end and interest will start to be charged on that plan balance. If you fail to satisfy the second requirement above, we will start to charge interest on the portion of the monthly instalment of the Equal Payments Plan that is unpaid.
  2. How will I know when my Deferred purchase will expire?
    Your Deferred plan expiry date and payment due date are outlined on your monthly statement as indicated in the example below.
  3. If I do not pay off the financed purchase before the expiry date, will I be charged interest back to the original purchase date?
    Deferred Purchase Plan: No. Canadian Tire will not charge you interest from the original purchase date. Interest will only be calculated on the outstanding balance once your deferral period has ended. Equal Payments Plan Purchase: You must pay your monthly equal payments plan instalment in full by the statement due date to avoid paying interest. If you do not pay this amount in full, you will be charged interest on that portion of the equal payments plan instalment that is unpaid starting from the day after the monthly payment is due.
  4. Will a Deferred Purchase or an Equal Payments Plan affect the available credit on my Canadian Tire Credit Card?
    Yes. Your available credit will be reduced by the total amount of the transaction that you are financing.
  5. I have a Deferred Purchase or Equal Payments Plan in addition to other purchases on my account. When I make a payment how is it applied?
    Payments are applied to your account in accordance with the cardmember agreement. Please select your card type from the links on this page and refer to the section entitled How we Apply Payments and Credits
  6. How do I finance a purchase at Canadian Tire?
    Present your Canadian Tire branded credit card at any Canadian Tire store at the time of purchase and advise the cashier that you would like to take advantage of the financing offer available on the merchandise you are purchasing. Please note that equal payments plans are not available on the Low Rate Options® MasterCard®.
  7. I do not have a Canadian Tire credit card but I want to finance a purchase at the Canadian Tire store, how can I do this?
    A Canadian Tire branded credit card is required to qualify for financing at Canadian Tire. To apply, visit any Canadian Tire Store and apply for instant approval at the Customer Service Desk, apply online at https://www.ctfs.com/ApplyNow or call to apply 1-800-961-1151 (excluding Quebec, Quebec customers please apply in store or online)
  8. Is there a fee to finance under the Deferred Purchase or Equal Payments Plan?
    No, Canadian Tire Bank does not charge a fee for entering into a deferred payment plan or an equal payments plan.

Contact Information

  1. Whom do I contact for assistance with my Canadian Tire credit card account?
    • Via email: Click here to contact us using our email form.
    • By phone: Simply call toll-free 1-800-459-6415.
    • Out of country: Simply call collect 1-905-735-7256.
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Privacy & Security

  1. How do I report a fraudulent email message?
    • Canadian Tire Financial Services Limited and Canadian Tire Bank do not, and will not, send you emails asking you for information or details around your online banking information. Never give out your online banking customer number or password in response to an email.

      If you have given us your email address, you may sometimes receive email from us that will inform you about Canadian Tire products or promotions. These emails will never ask you to give us personal information related to online banking.

      If you have received an email that appears to be from Canadian Tire asking you for online banking details, please do not click on any links or reply to the email. Instead, call us immediately at 1-800-459-6415.

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  2. What security measures does Canadian Tire use to protect my privacy?
    • Canadian Tire Financial Services knows that you are concerned about the privacy and security of your personal information. We collect only the personal information that is necessary to process your applications or enrolments. To provide you with a safe and secure online experience, we use 128-bit encryption, the highest level of security available. To optimize the benefits of this encryption, it is best if you manage your online account using browsers that support this level of security. The most common of these browsers are Internet Explorer 4.0 or higher or Netscape Communicator 4.0 or higher.

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  3. How can I protect myself online?
 

My Online Account

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