ON THIS PAGE
Regular credit purchases
Equal monthly payment plans
Deferred plans
Fees
Minimum payments
Statements and payments
Regular credit purchases
Purchases made without a promotional plan are regular credit purchases. Interest is charged at the regular annual rate of [31.99%, confirm] from the transaction date, and a minimum payment is due each month.
Equal monthly payment plans
Your purchase is split into equal payments over the plan term. Depending on the retailer, the plan may be no-interest¹, low-interest or regular-interest. The monthly amount and term are shown before you confirm.
Deferred plans
No payments are required during the promotional period, other than optional insurance premiums. Pay the balance in full before the period ends and no interest applies¹. Any balance left after that is charged interest at the regular annual rate.
Fees
Annual fee: [$0, confirm]
Administration fee on promotional plans: [$49.99, confirm; varies by promotion]
Late payment, NSF and other fees: see the Cardholder Agreement
Minimum payments
Each statement shows the minimum payment due and the due date. Paying on time keeps promotional plans in good standing¹.
Statements and payments
Statements are available in the Customer Portal. Pay from online banking (payee: “Flexiti Financial”) or by mail to Flexiti Financial, Attention: Account Services – Payment Processing, 5700 Yonge Street, Suite 1900, Toronto, ON M2M 4K2.