Name of the Organization : Laurentian Bank of Canada
Type of Facility : Apply for Credit Card Application
State : Quebec
Country : Canada
Website : https://www.laurentianbank.ca
Visa Credit Card Application :
** This online application allows you to apply for a Laurentian Bank Visa credit card on the spot.
** If your application is approved, you should receive your card 10 days after your application is processed.
Related : Laurentian Bank of Canada Apply for Student Loan : www.statusin.org/23873.html
** It takes approximately ten minutes to fill out this form.
** Please note that the application cannot be saved.
** Once the application process is finished, you will receive an email confirming the status of your application
To apply online, you must meet the following conditions :
** You must be a resident of Quebec or Ontario.
** You must be of legal age in your province of residence.
** You must not require a co-applicant.
** Please provide a valid email address.
** This email will be used for confirmation purposes and to inform you of your application status.
** As with other application methods, your email is used as a means to confirm the identity of the representative.
The following information will be needed to complete the application :
** Social insurance number
** Employment and income information
** In addition, you must answer an identification questionnaire.
** You may contact us at any time for assistance by dialing 1-877-522-3863.
** This section contains important information on the terms and conditions of the Visa Black for students card for which you are applying.
** Please read this page carefully and print it for your files if you wish.
Visa Black for Students :
Annual Interest Rate
** 19.99% on purchases.
** 21.99% on balance transfers, Visa cheques and cash advances (not at the promotional rate).
Interest-free Grace Period :
** You benefit from a 21-day interest-free grace period on new purchases if the account balance is paid in full by the due date.
** No interest-free grace period is granted on cash advances, Visa cheques and balance transfers; interest charges apply.
Minimum Payment :
Your minimum payment corresponds to :
** The greater of the following three (3) amounts i) $10, ii) 3% of the account balance, or iii) the accrued interest.
** Furthermore, any unpaid minimum amount from previous months, if applicable, will be added to your minimum payment indicated on your current statement of account.
Foreign Currency Conversion :
** 2.5% Transactions that you carry out in foreign currencies will be posted to your account in Canadian dollars at the exchange rate in effect on the transaction date.
** The Bank will add 2.5% to the transaction conversion rate on the day the transaction is made.
Annual Fee : None
Other Fees :
The fees outlined below will be charged to the account on the transaction date –
** Cash advances made in Canada: $3.50
** Cash advances made abroad: $5
** Visa cheque processing or balance transfer fee: 2% of the transaction amount.
** Fee for each cheque or other instrument used to make a payment on the balance but returned by the financial institution on which they are drawn: $40
** Fee for a copy of an account statement more than 30 days after the statement issuance date: $5 per statement.
** Fee for a copy of an invoice appearing on an account statement more than 30 days after the statement issuance date: $5 per invoice.