Cardholder FAQs

_{1. Do I have to "activate" my new Scotiabank Commercial Card before I start using it?}

Yes, you will have to activate your card by calling the Scotiabank Card Service Centre at 1-888-823-9657. Card activation can be done by the automated system. You will require your significant date.

_{2. Whom do I call to find out my current balance of my card?}

You can call the Scotiabank Card Service Centre. The telephone number is 1-888-823-9657 in North America. Outside Canada and the USA, you can call collect to 1-416-750-6138. These numbers are also found at the back of your card. Cardholder support is available 24/7. Note: The Customer Representative has no information on your company's specific billing/payment arrangements.

_{3. What do I do when my purchase is declined at the merchant?}

To find out the reason for the decline, please call the Scotiabank Card Service Centre at 1-888-823-9657. The telephone number can also be found at the back of your card. Cardholder support is available 24/7.

_{4. What do I do when my card is lost or stolen?}

Please call the Scotiabank Card Service Centre for support. The telephone number is 1-888-823-9657 in North America. Outside Canada and the USA, you can call collect to 1-416-750-6138. These numbers are also found at the back of your card. Support is available 24/7. Your lost/stolen card will be “blocked” and a new card will be issued and your balances will be transferred to your new card.

_{5. What do I do if I have unauthorized transactions on my statement?}

The first point of contact should be with the merchant to settle the unauthorized transaction. If the merchant does not resolve the transaction or is not known to you, please call the Scotiabank Card Service Centre (1-888-823-9657) to initiate the dispute investigation process.

_{6. What do I do if I need a credit limit increase for my card?}

Please contact your program coordinator for a review of your credit limit requirements.

_{7. Whom do I contact if I have not received my monthly statement?}

Please contact your program coordinator to request a copy of your statement.

_{8. What if my card is de-activated due to a past due status?}

Contact your program coordinator and arrange immediately for bill payments. As soon as payments covering the past due amount are received and posted, the card is immediately reactivated.

_{9. What do I do if I cannot take a cash advance from a bank machine?}

Contact your program coordinator. You may have reached the cash advance limit set by your program coordinator, or your card may not be setup for the cash advance feature, which has to be authorized by your company.

_{10. Can I change my PIN at a Scotiabank branch?}

No. Please contact the Scotiabank Card Service Centre (1-888-823-9657). You will require your date of significance and if your card number begins 448421 or 448506, you will also need your reference number available.

_{11. Does my commercial card have any impact on my personal credit ratings?}

No, there is not an assessment or impact on your credit rating.

_{12. When will I receive my monthly statement so I can reconcile my transactions?}

Please contact your Program Coordinator for details on the receipt of your company’s statement.