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A. Collabria Financial Inc (Collabria) is a credit card issuer, holding issuing licenses with both Mastercard and Visa. Your financial institution or organization has partnered with Collabria to provide you with a credit card product as a service or benefit to your relationship with them. Collabria provides you with 24/7 Cardholder Service, access to account information online through the CardWise platform for personal cardholders and MyCardInfo for business cardholders, plus round the clock fraud monitoring and protection services for your credit card. Collabria also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from Collabria regarding your credit card account.
A. Your Collabria credit card allows you to consolidate credit card balances you may have with other credit card issuers onto your Collabria card. You may transfer a balance using the CardWise platform or MyCardInfo, by calling Cardholder Service at 1.855.341.4643 or by visiting your branch. Please have your billing and account information for the credit card balance you wish to transfer over available when you make your request.
A. Annual interest rate is a measure of the cost of credit, expressed as a nominal yearly rate. It is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is at least a 21-day grace period during which no interest will be charged on the current month's merchandise purchases. Please note that cash advances do not have a grace period and as such, will start accruing interest immediately. The annual interest rate associated with your card type can be seen on your monthly statement, which you will receive either in a paper or electronic format. Complete details on annual interest rate were provided with your card when it arrived in the mail to you. Additional information about your credit card product can be found on this site, under 'all cards'.
A. Your card will work in most countries. Due to fraud trends, transactions may be restricted in certain countries. As a fraud protection measure, it is strongly recommended that you call Cardholder Service at 1.855.341.4643 prior to your departure. When traveling internationally, please contact Cardholder Service at our international collect number, 1.647.252.9564.
A. The CardWise platform is Collabria's online digital account management tool where you can access your credit card account information 24/7. You can register for CardWise by downloading CardWise Mobile from your mobile phone's app store or via your computer at CardWise Online (cardwiseonline.ca). With CardWise, you can activate your card and manage your PIN, check your balance, make payments or set up AutoPay, enroll in eStatements, configure controls & alerts on your account, and more! For more on CardWise visit collabriacreditcards.ca/MyAccount.Business cardholders should visit collabriacreditcards.ca/MyBusAccount for more details on the digital account management platforms available to them. To learn more about CardWise, click here https://www.collabriacreditcards.ca/myaccount.aspx