As part of our commitment to providing you with the highest level of card security, your card is equipped with Chip & PIN protection. The encrypted microchip is virtually impossible to duplicate and works with your Personal Identification Number (PIN) instead of your signature for transaction verification.

With your Chip & PIN card, you never need to hand your card over to anyone to complete a transaction. Your private PIN replaces your signature, so your benefits include:

Added peace of mind

• Increased security against unauthorized use of your card

• Increased security against counterfeiting and skimming

Your PIN is your PIN

Your PIN is unique to you. No one else can use your card without the PIN, so you can help ensure your own peace of mind by keeping your PIN private and protected. You can change your PIN at any time.

To establish or change your PIN, call 1-844-788-2725. You can also change your PIN using the CardWise app.

Using your Chip card

Making a purchase with your Chip card is simple, easy, and secure:

1. Place your card into the chip-reader terminal.

2. Follow the onscreen prompts and click OK for the purchase amount.

3. The terminal will request your PIN, which is used instead of a signature.

4. Once your PIN is confirmed and the purchase is approved, your receipt will be printed.

Please note: You will be prompted when to remove your card. This may occur during the transaction or at the end of the transaction.

Chip technology has been proven effective in Canada and in more than 80 countries around the world. For situations where Chip technology isn’t available, your card will still have a magnetic stripe and our additional security measures.

Enjoy the peace of mind of emergency assistance virtually anytime and anywhere. Visa Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement, or receiving an emergency cash advance.

Lost/stolen card reporting: Please call Cardholder Service at 1.855.341.4643 immediately to report your lost card. Our cardholder service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where and when your card was lost/stolen and the last authorized transaction on the card.

Emergency card replacement and cash disbursement: Please call Cardholder Service at 1.855.341.4643 immediately to report your lost card. Our cardholder service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where and when your card was lost/stolen and the last authorized transaction on the card.

Shop with confidence with 24-hour fraud protection

Fraud specialists are monitoring your account 24/7, using sophisticated tools to catch any suspicious activity. If we detect unusual activity relating to your account, you will receive a phone call from us asking you to confirm that you, or an Authorized User, performed a transaction on your card or account.

As always, it is important to monitor your card activity and transactions. Stay on top of your transaction history and spending any time with the CardWise app. If you notice suspicious activity on your account or suspect that your card has been lost or stolen, contact Cardholder Services twenty-four hours a day, seven days a week at 1-855-341-4643 (Canada and US) or 1-647-252-9564 (international collect); or use the “Report Lost/Stolen” feature once logged into the CardWise app.

One-time passcode

A one-time passcode (OTP) is a secure authentication method where a numeric code is sent to your mobile number. A six-digit passcode window will pop up during your online transaction when additional security is requested.

If you receive such a request, you will need to check your mobile phone for a text message containing the passcode and enter it in the appropriate field. This code will be valid for five minutes. Please note: the transaction will not be processed if the OTP is not entered once the limit has expired.

If you did not receive a code and are presented with a window requesting the code, please contact Cardholder Services at 1-855-341-4643 to confirm the mobile number on file.

Additionally, contact Cardholder Services immediately if you:

• Receive a code for a transaction you did not initiate;

• Believe you're a victim of an OTP scam and have provided financial information to a fraudulent source.

As a reminder, Collabria will never contact you and ask to share the OTP over the phone, by text, or by email. Collabria also will never ask you to click or share personal information such as credit card account numbers, social insurance numbers, etc.

Contactless payments help you breeze through the checkout faster. Look for the Contactless symbol on the checkout terminal and simply tap your Visa card to a secure reader at a participating merchant. No swiping, inverting, signing, or PIN is required for purchases under the merchant’s set limit. If your purchase is over the merchant’s set limit, you may be asked to sign, swipe, or insert your card instead.

Sometimes unexpected events happen in life that could leave you unable to pay your credit card balance or even the minimum monthly payment. To help you deal with these unexpected events, your Consumer Canadian Dollar Collabria account provides you access to comprehensive Balance Protection Insurance* at an affordable price.

For only $0.99 per $100 of outstanding balance (plus taxes as applicable), you can protect yourself and gain peace of mind. The monthly fee is based on the outstanding account balance on the statement billing date. The cost of this insurance is automatically added to your credit card statement each month and if you do not have a balance, you do not pay. The cost calculation will be capped at $0.99 per $100 for the first $10,000 of your credit card balance.**

Balance Protection Insurance helps protect your finances if your earnings are interrupted by involuntary loss of employment, loss of self-employment, accidental dismemberment/paraplegia, disability, diagnosis of an insured critical illness or terminal illness, or death.

Being insured with Balance Protection Insurance offers many benefits, such as:

•  Peace of mind

• Standard of living maintained for your loved ones

• Protects credit rating

• No increase in debt or tapping into existing savings or retirement assets

• Ability for your loved ones to continue to pay expenses

With Balance Protection Insurance, your minimum monthly payments continue to be made on your account if your income is interrupted by disability, illness, accident, strike, job layoff, or involuntary dismissal.

Further, in the event of death, accidental dismemberment/paraplegia, or diagnosis of an insured critical illness or terminal illness, the outstanding balance on your credit card account will be paid off (up to a maximum of $25,000).

Please note that applicants must have an approved Consumer Canadian Dollar Collabria account and be under the age of 70 at the time of application to be eligible for this insurance.

For more information, please call us at 1-855-341-4643 today to speak with one of our agents about how Balance Protection Insurance can help protect you.

*Balance Protection Insurance coverage is optional and underwritten by Co-operators Life Insurance Company.

**Maximum coverage of $25,000 outstanding balance will be protected by Balanced Protection Insurance.

Collabria has partnered with Desjardins Financial Security Life Assurance Company (DFS) to provide several different types of travel insurance coverage, depending on which credit card you have. Detailed coverage information can be found in the Travel Insurance documents here. Some conditions and restrictions apply. Insurance coverage is subject to change.

For more frequently asked questions about Collabria Visa Credit Cards, click here.