MAKING A PAYMENT DESJARDINS ONLINE ACCORD D FINANCING
MAKING A PAYMENT
MINIMUM PAYMENT
Use one of the following options to make the minimum payment due (including your Accord D instalment):
- Through Desjardins or most other financial institutions.* If necessary, add "Rona Desjardins" or "R?no-D?p?t Desjardins" to your list of bills using your card or account number.
? On the website
? Through the telephone payment system
? At an ATM
? At a branch
- By pre-authorized payment.
- By mailing a cheque payable to Desjardins Card Services (along with the payment stub).
- In-store with your statement payment slip (participating merchants only).
PRINCIPAL PAYMENT
You can make a payment on the principal at any time before your financing comes due. The payment will be applied directly to the principal or balance of the financing plan and you won't be penalized. Any payment will not impact your current or future monthly instalment(s).
If you pay the entire balance of your financing plan before it comes due, you may still have to pay interest that was accrued between the date of your last statement and the date of the principal payment.
Use one of the following options to make a payment on the principal:
- Through Desjardins or most other financial institutions.* If necessary, add "Desjardins financing principal payment" and use your account or card number followed by the three-digit plan number.
? On the website
? Through the telephone payment system
? At an ATM
? At a branch
- By mailing a cheque payable to Desjardins Card Services (along with the payment stub).
- In-store with your statement payment slip (participating merchants only).
* Participating financial institutions only.
DESJARDINS ONLINE
YOU CAN USE ACC?SD TOO!
You don't need to be a Desjardins caisse member to use Acc?sD to make payments on your credit card account or view your account statement. Sign up at accesd-registration.
SIGN UP FOR ONLINE STATEMENTS
You can manage your account more easily and help save the environment at the same time!
1 Log in to Acc?sD. 2 Click Statements and documents in the right-hand menu. 3 S elect Credit cards and prepaid cards. 4 C hoose the appropriate card and follow the instructions to
register. or 1 Go to postel.ca. 2 Log in or create an account. 3 F ollow the instructions to add your statement. You will receive a notice by email every month when your statement becomes available.
FOR MORE INFORMATION
You can go to accordd-plan or call Customer Service at one of the following numbers:
Montreal: 514-397-4415 Toll-free: 1-800-363-3380
67 002447 A (10/2016)
YOUR ACCORD D STATEMENT
EXPLAINED
ACCORD D FINANCING
You've just been granted Accord D Desjardins through a merchant of the RONA banner. Accord D is offered through your credit card as a second limit, separate from your regular limit, with its own interest rate.
TYPES OF FINANCING PLANS
EQUAL PAYMENT FINANCING
Buy now and pay in equal instalments. Your Accord D instalments are automatically added to your regular credit card balance every month, so your minimum payment due includes your monthly Accord D payment.
DEFERRED PAYMENT FINANCING
Buy now and pay later. During the deffered period, you can make a payment at any time on your financing by following the steps to make a principal payment. Between 30 and 59 days before the financing is due, you'll receive a notice with your account statement reminding you of the payment deadline. If you aren't able to pay off the full balance by the due date, it will automatically be converted into equal monthly instalments at the interest rate in effect.
MULTI-PURCHASE PLAN
Get two months, with no fees or interest, to manage all of your purchases and refunds. At the end of this grace period, your total purchases will be spread over 36 equal monthly payments at a fixed interest rate. Monthly payments are managed in the same way as equal instalment financing.
Your regular credit card transactions
1? The total balance on your statement including:
the full balance of your regular purchases +
your Accord D financing Details in (C)
2? Minimum payment due, including your monthly
Accord D instalment. Details in (B)
3? Your regular credit limit
(does not include your Accord D limit).
4? Total monthly balance:
This is the amount you need to pay so you don't generate interest on your regular transactions.
5? Amount left to pay on your Accord D financing.
6? Details of all your transactions on the regular limit
since the last statement was issued. The total of these transactions can be found in the Regular transaction summary table (A).
7? Details of all operations on the regular limit of your
account since the last statement was issued. The amounts of these operations can be found in the Regular transaction summary table (A).
HERE IS A SIMPLE EXPLANATION OF YOUR STATEMENT.
Statement Date
Day
09
Month
06
Year
2016
AA LEO LEO
Due Date
G. RAYMOND 425 VIGER MONTREAL QC
Statement Date
Day
20
Month
08
Year
2013
AA RNA RNA
Due Date
STGA.TERMAENYTMDOANTDE Day 09 Month 06 Year 2016 425 VIGER WEST MONTREAL QC H2Z 1W5
Statement of Account
Day Month Year
05 07 2016
Day Month Year
13 09 2013
2
Account Number
4530 9390 0001 0002
Minimum payment on regular
transactions
59.00
New Regular Balance
1,168.37
+
AccoIrndsDtalmfineannt cing
0.00
The amount paid will be applied to your regular balance
=
Minimum PaymeAnctcDouuent NumberAmount Paid
453059.X0X0XX XXXX 4009.
1 paytmraMennisntaiomcntuiormengsular 14.00
fiinnacnTlucoditnianglgbinAaslcatcanolcmredenDts
811.87
+
Accord D financing Instalments
23.07
Tbhreeegaaupmlpaolriuebndat tlpoaanyicdoeuwrill
Minimum
P=aymenLt EDOueN'S 37.07
VISAAmDouEPnSat JgPAaei:dR.1DIoNfS2
Estimated time to pay your balance If you make only the minimum payment required each billing period, we estimate that it will take 1 year(s) and 1 months to pay off your balance
on purchases and cash advances. See reverse for details.
Statement Day Month Year
Date
20 08 2013
G. RAYMOND 425 VIGER WEST MONTREAL QC H2Z 1W5
Account Number
4530 XXXX XXXX 4009
Take a copy of this statement with you to make a payment at your caisse/branch
1 - Indicate the plan number 2 - Indicate the payment amount
8
Plan No
Plan No
Total Amount Paid
+ $
.
+ $
.
= $
.
STATREEMGENUT LDAATRE TRDaAyN2S0 AMConTthIO0N8 YSeUarM2M01A3 RY
PreviRouEsGBUalLanAcRe TRANSACTION SUMM65A8.R62Y
PPurrcehvaisoeuss/ DBeabliatsnce
+ 350989.0832
CPasuhrcAhadsveasnc/ eDsebits
+ +
205.0.003
CCrerdeidt iCt Chahragregses(I(nItneterereststoonnPPuurcrchhaasseess) )
+ +
104.7.521
Available Credit Limit :
AAuthorized Credit Limit :
4,831 6,000
3 AAAuvutathhioloarrbiizzleeeddCArCecrdceiodt riLtdiLmDimit fi:tin:ancing Cr44e,,15d90it80Limit :
Annual Interest Rate
19.9P0a%ge: 1 of 2
Annual Interest Rate . %
5,500
CArecdciot rCdhDargfiensan(IcnintegreInsst toanlmCeanstsh Advances) ++
203.0.007
See Accord D financing transaction summary
APccaoyrmdeDntsfin/ aCnrceidnigtsInstalment PNayemwenRtse/gCurleadritBs alance (1)
+ -
600.0.000
-= 310010..0403
4
Due Date: Day 13 Month 09 Year 2013 Due Date: Day 05 Month 07AmYeoaur n2t0P1a6id
New Regular Balance
= 1,168.37
Please make this minimum payment or more.
Amount Paid .
MDuinei:mum Payment
B MDuinei:mum Payment
Minimum payment on regular
trMainnsimacutmions payme1nt4o.n0r0egular +
transactions
PleaAscecomrdakDe this minimum payment or more.
financing
Past Due
IAnsctcaolmrdeDnts
fin2a3n.c0in7g
+
Pa0s.t 0D0ue
=
Instalment
Minimum . Payment Due
Minimum Pay3m7e.n0t7Due
Ionffoyormurataicocnoruengta:rding the tota5l9b.0a0lance +
C REGULAR TRANSACTION DETAILS
New0.R0e0gular Balance (1) 301.43
+
5+
New0A.c0c0ord D financing Balance (2)
510.44
=
Total5b9a.la0n0ce
including Accord D
financing instalments
=
811.87
Transactions made with the card of: G. RAYMOND
Card: 4530 9390 0001 0028
TranRsaEctGionULDaAteR TRAPoNstSinAg CDaTteION TDraEnsTaActIiLonS
TranDsactioMns made withD the cMard of: G NRuAmYbMeOr ND #3
Description
Amount Card: 4530 XXXX XXXX 4017
13 05
13 05
001
RENFREW CHRYSLER
RENFREW
ON
497.65
Tr0a2nsacti0o6n Date 02D 06M
0P3osting0D6ate 03D 06M
Tra0n0sa2ction N0u0m3ber
MNR-FISH MNR-FISH
& &
WWIILLDDLLIIDFFeEEscription
PETERBOROUGH PETERBOROUGH
ON ON
Amo55u00n..t 6699
05 08
05 08
001
MERCHANT SHERBROOKE QC
Total
6
52959..0033
Total
25.03
Account Operations
4530 9390 0001 0002
TArcacnosaucntitoOnpDeartaetions Posting Date
TraDnsactioMn Date
PDosting MDate
30D 05M 0192 0068
20 08 20 08
31D 05M 0193 0068 20 08 20 08
45T3r0anXsXacXtXionXXXX 4009 TNraunmsabcetrion N0u0m1ber PAYMENT
THANK
Description YOUDescription
000021
CPRAEYDMIETNTCHCAARIGSESE/BRANCH
002
CREDIT CHARGE
003
Total of your Accord D FINANCING Instalments
- See Accord D FINANCING transaction summary
Amount
Am1o0u0n.t 00CR
6100..0702CR
7
4.51 23.07
STATEMENT DATE Day 20 Month 08 Year 2013
ACCORD D FINANCING TRANSACTION SUMMARY
Plan Number
004 005
DPrevious Balance / New Financing 456.32 175.37
E Payments/
Adjustments On Principal
+
100.00 -
+
0.00 -
F Current Monthly Instalments
Principal Interest
Total
0.00 21.25
0.00 1.82
0.00 23.07
Total
631.69 +
100.00 -
21.25
1.82
23.07
23.07
Available Accord D financing Credit Limit: Authorized Accord D financing Credit Limit:
2,489 3,000
9
Page : 2 of 2
G
New Balance After Payment (2)
=
356.32
=
154.12
=
510.44
Only the principal portion of your instalments is deducted from the financing plans balance.
This balance does not include your current instalments
Total of your current instalments transferred to regular account
ACCORD D FINANCING TRANSACTION DETAILS
Plan Number Type
Initial Amount Financed
Posting Date
DM Y
Due Date DM Y
Description
004
DPF
005
EPF
456.32 257.66
19 07 2013 21 09 2013 MULTIPLE PURCHASES PLAN 13 05 2013 13 05 2014 MERCHANT GATINEAU QC
10
EPF: Equal Payment Financing
DPF: Deferred Payment Financing, without interest before due date
TBD: The interest rate will be set on the basis of the final balance of your multiple purchases to be paid in equal instalments:
. . % if the amount is equal to or lower than $
;
. . % if the amount is equal to or higher than $
.
Annual Interest
Rate TBD 13.50%
ACCORD D FINANCING ACCOUNT OPERATIONS
Transaction Date
D
M
17 08
Posting Date
D
M
19 08
Transaction Number
001
Description PLAN004-PRINCIPAL PAYMENT
Amount
11 100.00
Your Accord D Desjardins financing
8? Use this slip to make a principal payment on your
Accord D financing by mail. Simply fill out the appropriate boxes and include the slip with your payment.
9? Your Accord D financing limit
(does not include your regular credit limit).
10? Description of your current financing plans (initial
amount, date, rate, plan number, etc.).
11? Details of the operations on your Accord D
financing plans since the last statement was issued. In this example, Mr. Raymond made a principal payment on plan 004 (E).
To help you understand the example: Mr. Raymond had two Accord D financing plans, with a total balance before payment of $631.69 (D). Since the last statement was issued, Mr. Raymond:
-made a principal payment of $100.00 on plan 004 (E)
-will pay his monthly instalment (F) by paying his credit card account (see page 1 section (B)
The new balance on his financing plans is $510.44 (G), since his monthly instalment has been transfered to the regular limit and included in the minimum payment due.
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