My Statement

Get the most out of your credit card by understanding key terms and identify where important information is located to help:

Make your payments on-time and keep your account in good standing

Avoid fees and interest

Get the most out of your rewards

Select a page of your statement you’d like to learn more about.

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Your Account Summary

1. Balance from Your Last Statement

You can see how much of your existing balance was from your last statement here.

2. Total Credits

If you made a payment to your account, or returned a purchase, during the statement period it will be reflected here. The total credits are subtracted from your last statement balance.

If your total credits equal the balance from your last statement it means you paid off your last statement balance – good job!

3. Total Charges

Includes total balance of charges made on your account during this statement period. Charges can include purchases made with your credit card, ATM cash withdrawals, fee and interest charges.

See Page 2 of your statement for more details on these transactions.

4. Your New Balance

The calculation of your new balance is simple:
Balance from Last Statement – Total Credits + Total Charges = New Balance

Your Balance Due and New Balance might reflect different amounts. Don’t panic! Typically, if you’ve made a financing purchase on your account, your new balance and Balance Due will not reflect the same amount. This is because the Equal Payment Plan is financed over a period of time and not entirely due right away.

See the "Account Summary" for further information on how your new balance, balance due and minimum payment due are calculated.

5. Credit Limit & Available Credit

This is the maximum amount you can spend on your credit card and the amount of credit available to you.

Your Payment Information

6. Balance Due

To avoid interest on new purchases shown on this statement, this is the amount you need to pay by your payment due date.

Never miss a payment with payment due date reminders by signing up for NotifyMe.

7. Minimum Payment Due

If you can't pay the full balance, this is the minimum amount you need to pay to avoid going into default. Interest will be charged on the remaining outstanding balance.

8. Payment Due Date

Your payment needs to be received by this date to keep your account in good standing. Always remember to pay either the Balance Due or Minimum Payment Due.

Please allow enough time for your payment to reach us by the due date.

Triangle Rewards Account Information

9. Adjustments

CT Money earned on purchases that were returned and adjusted during this statement period.

10. Earned & Redeemed

Your CT Money earned and redeemed for this statement period can be found here.

11. Bonus

Your bonus CT Money that was awarded during this statement.

Maximize your rewards to earn even more CT Money by downloading the Triangle App.

Messages About Your Statement

12. Message Centre

Important messages pertaining to your account. Check this section out on every statement to make sure you’re getting the most up to date information.

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Details of your Account Summary

1. Payments

Your total payments made to your account will be listed here. If you have made a payment to your account after this statement date, it will not show until your next statement.

2. Purchases

A summary of all your transactions will be itemized here, by the date the transaction was made and processed on.

If you have supplementary cards on your account, you will be able to see their purchases as well.

Feel like there’s a transaction that you do not agree with? We’re happy to help. Simply call within 90 days from the date that the transaction was posted to your account at 1-800-459-6415 and a Customer Service Representative will be happy to assist you.

3. Ways to Make Payment

We accept many payment options. Here are some ways to make payments to your account:

Bank: Online banking, mobile apps, telephone banking or at most financial institutions.
Online Account: Sign up today at ctfs.com/account for access to your account information and payment options.
At any Canadian Tire: Present your Canadian Tire Bank issued credit card at Customer Service desk to pay by cash, debit or cheque. If Canadian Tire retail stores in your region are closed, use alternative payment options.
Mail: Make your cheque payable to ‘Canadian Tire Mastercard’ and write your card number to your cheque. Send to:

Canadian Tire Bank
P.O. Box 4653
Station A, Toronto, ON
M5W 5G4

To ensure that we always receive your payment prior to the due date you should allow sufficient time for your payment to reach us.

4. Information About Your Account

Further information about card terms can be found here.

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Details of your Equal Payment Plan(s)

1. Financing

You can find details of your Equal Payment Plan here. We offer financing purchases over $150+**. Click here to view a list of all participating retailers and for more information about our 24 month equal monthly payments offer.

**Participating retailers Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.

2. Monthly Payment Amount

This area shows you how much your monthly Equal Payment Plan Installment is for this month’s statement.

Make sure you always make your minimum payment due by the payment due date, this amount will include your equal payment plan installment(s) amount.

If you don't make the minimum payment due, your equal payment plan will no longer be a part of the 0% interest equal payment plan. We will have to charge your applicable interest rate on the remaining unpaid amount the day after your next statement date.

To keep 0% interest on an equal payment plan, always make your minimum payment by the due date.

3. Balance & Plan Expiry Date

This area shows how much of your Equal Payment Plan remains and when it expires.

Your Account Summary

1. Balance from Your Last Statement

You can see how much of your existing balance was from your last statement here.

2. Total Credits

3. Total Charges

4. Your New Balance

The calculation of your new balance is simple:
Balance from Last Statement – Total Credits + Total Charges = New Balance

5. Credit Limit & Available Credit

This is the maximum amount you can spend on your credit card and the amount of credit available to you.

Your Payment Information

6. Balance Due

To avoid interest on new purchases shown on this statement, this is the amount you need to pay by your payment due date.

Never miss a payment with payment due date reminders by signing up for NotifyMe.

7. Minimum Payment Due

If you can't pay the full balance, this is the minimum amount you need to pay to avoid going into default. Interest will be charged on the remaining outstanding balance.

8. Payment Due Date

Triangle Rewards Account Information

9. Adjustments

CT Money earned on purchases that were returned and adjusted during this statement period.

10. Earned & Redeemed

Your CT Money earned and redeemed for this statement period can be found here.

11. Bonus

Your bonus CT Money that was awarded during this statement.

Maximize your rewards to earn even more CT Money by downloading the Triangle App.

Messages About Your Statement

12. Message Centre

Important messages pertaining to your account. Check this section out on every statement to make sure you’re getting the most up to date information.

Details of your Account Summary

1. Payments

Your total payments made to your account will be listed here. If you have made a payment to your account after this statement date, it will not show until your next statement.

2. Purchases

3. Ways to Make Payment

We accept many payment options. Here are some ways to make payments to your account:

Bank: Online banking, mobile apps, telephone banking or at most financial institutions.
Online Account: Sign up today at ctfs.com/account for access to your account information and payment options.
At any Canadian Tire: Present your Canadian Tire Bank issued credit card at Customer Service desk to pay by cash, debit or cheque. If Canadian Tire retail stores in your region are closed, use alternative payment options.
Mail: Make your cheque payable to ‘Canadian Tire Mastercard’ and write your card number to your cheque. Send to:

Canadian Tire Bank
P.O. Box 4653
Station A, Toronto, ON
M5W 5G4

To ensure that we always receive your payment prior to the due date you should allow sufficient time for your payment to reach us.

4. Information About Your Account

Further information about card terms can be found here.

Details of your Equal Payment Plan(s)

1. Financing

**Participating retailers Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.

2. Monthly Payment Amount

This area shows you how much your monthly Equal Payment Plan Installment is for this month’s statement.

3. Balance & Plan Expiry Date

This area shows how much of your Equal Payment Plan remains and when it expires.

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If your average balance is:	$100	$500	$1000	$2000
Total monthly credit charges will be:	$1.64	$8.22	$16.43	$32.86

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