We are excited to share with you the Financial Consumer Agency of Canada’s (“FCAC’s”) latest “tip clips” that touch on various topics of interest, such as the importance of budgeting, credit reports and fraud awareness. They told me they are going to send the cheque to me within couple of days. i just got this card two months ago and a week ago (not even 3 months, let alone typical 6 months) they upped my limit by $1K which is fine. The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to … $0-$499.99 = 2 cents, $500-$999.99 = 5 cents, $1000-$1999.99 = 8 cents, over $2000 = 10 cents. 39583, By Mail: Ombudsman, Canadian Tire Bank 3475 Superior Court, Oakville, ON, L6L 0O6. YIKES! Transactions originating with a SecureCode merchant pass through a risk-assessment process set up by Canadian Tire Bank. When I call or email to clear up the situation, the charges are removed instantly with no questions asked. Sure enough I told them that I would be closing my account.
If any provision of these terms and conditions is invalid or unenforceable, such provision will not affect the validity and enforceability of any of the remaining terms and conditions. If you redeem eCTM at a Partner we are not responsible for any loss, damage, injury, death or expense as a result of any item or service you acquired at such Partner.
General
e-CTM is not exchangeable and cannot be redeemed for cash or made subject to any security interest.
Suite 1505, P.O. You’re full of it. When you make an online purchase, at a participating merchant, a request screen will automatically appear informing you that a One-Time Code will be sent to you via email or text message to your mobile phone. How do I check on product availability and store inventory? Can I return a purchase to any Canadian Tire store? First, there’s no fee financing. air miles. IF you have found each other, then I am happy for you. eCTM can only be collected at Canadian Tire gas bars on fuel purchases.
You can also collect eCTM on purchases that you make at other merchants that are charged to a Program Credit Card. I called to get a replacement card, which was done without any problem.
You’ll collect 1.5% in Canadian Tire Money for every dollar you spend at virtually all grocery stores including No Frills, Loblaws, Metro, Sobeys, Longos, Foodbasics, and any other location categorized as a grocery or supermarket by Mastercard (based on the merchant code 5411). Box 12000 That is $6.50 more than you should be paying. The names of Partners, the rates at which eCTM can be collected and redeemed and any items that will not be considered eligible for collecting eCTM or in respect of which you will not be able to redeem eCTM will be designated by us and will be posted on the
Program Website and may be amended by us from time to time. In addition, individual Canadian Tire stores may exclude additional items sold in that store from being Eligible Merchandise. We reserve the right, at any time without notice, to change what constitutes Eligible Merchandise.
Redeeming electronic Canadian Tire Money
eCTM can only be redeemed for merchandise (including applicable taxes) at participating Canadian Tire stores or at other locations designated by Canadian Tire.
eCTM cannot be redeemed for alcohol, tobacco, gift cards, prepaid cards, other stored value cards or products, items that we designate on the Program Website and those items which the law does not permit to be purchased this way, or used to make a payment on any Canadian Tire Bank issued credit cards or on loans or for financial or insurance products.
To redeem your eCTM you must present your Triangle Rewards Card (or Cardless Method) or Program Credit Card to the cashier with your purchase.
If you remain unsatisfied after our review and response. 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. A minimum fuel purchase may be required before eCTM can be collected. Before logging in to your CTB Online Account, you are required to agree to the CTB Online Account Terms and Conditions. All They say you get 1% back. I once found someone’s US HSBC Premier card, and when I called the number on the back I got the Philippines. The customer service has always been great. If a customer remains unsatisfied after receiving a final response from within step 2, the customer’s concerns can then be reviewed and responded to by the CTB Ombudsman’s office in step 3. Admin. I have had the Options for 12 years, best rewards compared to my other cards. There is one important caveat though: the 4% earn rate is on the pre-tax amount of your purchase and not the final purchase price after the addition of the HST, which slightly dings your earn rate. So I did my tour of duty at school, was paying back some loans when the NBNA harassment started for me to get their card. You and I, and everyone else reading your post, knows exactly this is the “hidden fees” you’re referring to. You may always withdraw or refuse your consent by clicking on the unsubscribe link in our email communications or by contacting us at 1-800-226-8473. Fax: 1-866-814-2224. – yes, credit card limit (both higher & lower) & interest rate changed without notice. At almost 100 years old, Canadian Tire is one of the oldest and largest department store brands in the country. When you look at the gas card and cash advantage card there are much more details on the cards. Our first house was not new, so needed some additional work, which we had taken out a loan to pay for…then BAM she’s unemployed and our bills are more than one income can handle. Are products sold at Canadian Tire backed by a warranty? Additionally, once or twice a year I have had a fraudulent expense charged to the card. Relationship Finances 101: Avoid Using Your Spouse’s Credit. Don’t exceed your credit limit, and there won’t be any over limit fees. You are getting scammed. If you value excellent customer service where you at least expect to be respected as a customer, then do not waste time with this card. They simply must take the card that accepts their application. Is there a fee to finance under the Deferred Purchase or Equal Payments Plan? You won’t need to earn a specific income or pay an annual fee to carry this card. For the purposes of this section, “inactivity” means that there has been neither a transaction in which you have collected eCTM, nor a transaction in which you have redeemed eCTM during the period in question.
Termination of Membership and Cancellation of the Program
Membership may be terminated by Canadian Tire if any of the following events occur: (A) the Member has failed to comply with any of these terms and conditions, or Canadian Tire determines that the Member has abused the Program or has made any misrepresentation or false statement to Canadian Tire; (B) the Member dies; (C) the Member becomes bankrupt or insolvent or any bankruptcy or insolvency proceedings are commenced by or against the Member, (D) the Member is charged with a “designated offence” (as defined in the Criminal Code (Canada)), (E) the Member’s Program Payment Card is terminated by Canadian Tire Bank, or (F) Canadian Tire suspects the Member of any fraudulent activity in connection with the Program or the use of a Program Payment Card.
A Member may choose to cancel his or her membership by written notice sent to the address below or by calling Program customer service.
Termination or cancellation of membership in the Program will result in the immediate closing of the Member’s Triangle Rewards Account and the cancellation of all eCTM in such Triangle Rewards Account without any compensation or other liability to the Member.
