![]() ![]() 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. You must be a member of the airline or hotel partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline or hotel partner program.Ģ. Subject to the Terms and Conditions of the Membership Rewards program available at. ![]() For more information, please visit the Balance Alerts page.1. ![]() This is one way to help you stay on top of your accounts and keep track of your finances more easily. Balance alerts are email or app notifications you receive when your available credit falls below a specified amount.Ĭredit card customers with a valid email address (in our records) are automatically enrolled in Scotia Alerts where they will be notified when the available credit on their credit card account drops below a specified amount and as a result, they may exceed the limit on their account (and go overlimit). ![]() You can set up Scotia Alerts on your credit card account to help monitor and flag any activity on your account(s). Fees may be charged if you are overlimit. If we allow you to exceed your credit limit (overlimit), you are still liable to pay what you owe on your statement, including the amount that exceeds your credit limit (the “overlimit amount”), and any applicable interest on that amount. Going over your credit card limit may result in further transactions on your credit card account being declined. To view your credit limit and available credit for your credit card account: Available credit will show up towards the top of the screen.To view your available credit for your credit card account: Credit limit amount will show up under Details section.From the Home screen, tap your credit card account.To view your credit limit for your credit card account: You can view your credit limit and available credit either through the Scotia mobile app, online banking, or on your paper statement. Your available credit is the difference between the credit limit for your credit card account and the outstanding amount owing on your credit card account.Īt Scotiabank, the available credit on your statement is calculated at the time your statement is issued (on the last day of the statement period shown on that statement) and may not yet include all transactions on your credit account including credits, payments, fees, charges, interest, or other transactions that have not yet posted to your credit account. The credit limit is disclosed on your disclosure statement and then on your statements for your credit card account. The credit limit is the maximum amount you can borrow under a credit card account that is set by your card issuer. Alternatively, you can visit our credit card interest rates page for current interest rates for all our products. The annual interest rate on cash advances is disclosed on the disclosure statement for your credit card account. The annual interest rate on cash advances on your credit card account will apply to any cash advances (including balance transfers, cash-like transactions and Scotia credit card cheques) and on any fees that apply to them. Interest is charged from the transaction date until we receive your payment in full. There is no interest-free grace period on cash advances (including on any fees that apply to them). Note: While you can’t use a balance transfer offer to pay another Scotiabank credit product, you can transfer funds as a cash advance and a cash advance fee may apply. If we offer you a balance transfer offer, you can request us to transfer funds from another credit product you have at another financial institution to your Scotiabank credit card account. A balance transfer is a transaction where funds (money) from one credit card account are transferred, at your request, to pay a balance on another credit account.Īt Scotiabank, we will not allow you to use a balance transfer offer to pay another Scotiabank credit product including another Scotiabank credit card or Scotiabank line of credit account. You can get a cash advance when you use your credit card account (including using your card) to access money from your credit card account through an ABM, at a Scotiabank branch, by telephone, online or through a mobile device, or by using a Scotia credit card cheque.Ī balance transfer is also considered a cash advance. ![]()
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