Credit cards - Excessive fees

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  • Make sure you understand your cardholder agreement, so you fully understand all the fees you are responsible for.
  • Fees and penalties vary depending on the company and the credit card that you have taken out.
  • If you aren't sure what fees are on your card, you should request this information from your credit card provider.
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:

https://www.canada.ca/en/financial-consumer-agency/services/complaints/file-complaint-financial-institution.html

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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