Credit cards - Change in interest rates

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  • You have 30 days from your statement date to report any error that may appear on your credit card statement.
  • Make sure you understand your cardholder agreement, so you fully understand all the fees you are responsible for.
  • If you don’t make your required minimum monthly payments by the due date, your interest rate may increase.
  • The amount of increase depends on your account terms and conditions.
  • Federally regulated financial institutions (e.g. banks) have to provide a minimum 21-day grace period. This period starts on your statement date.
  • As long as you pay off your credit card in full before the end of the grace period, you will not have to pay any interest charges.
  • If you have been overcharged you should let your credit card provider know as soon as possible.
You should know

Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:

If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.

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