Frequently Asked Questions
Applying and Approval
- How can I check the status of my credit card application?
- The credit card offer is in my spouse’s name. Can it be a joint account?
- The credit card offer is in someone else’s name. Can I change it?
- How will my credit limit be determined?
- When will I receive my credit card?
- What are the Anti-Money Laundering (AML) regulations and how do they affect my application?
Call 1-877-277-5901 and select option 3 to check the status of your credit card application.
No, but once the credit card application is approved, your spouse can add you as an authorized user. Authorized users receive their own card, sharing the available credit limit with the primary cardholder. The account will not be recorded on the authorized user’s credit report.
No, the credit card application is meant for the person it was addressed to and is non-transferable.
Your credit limit is determined based upon our review of your credit card application and a review of your credit information from a third party credit reporting agency.
Once we’ve processed your completed credit card application and security funds (if applicable) and verified your identity, we’ll send your new Mastercard. We’ll also send you a welcome package that explains your new credit card and details our commitment to you.
Anti-Money Laundering legislation requires that we confirm identities before releasing credit cards to protect your identity and credit. If we’re unable to verify your identity online, you’ll need to go to your local post office so that a Canada Post agent can verify your identity. Learn more about AML and what you need to do if you’re required to validate your identity at Canada Post.