Desjardins Credit Card Maintenance: What Stops October 12 to 20
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Desjardins credit card maintenance runs from October 12 to October 20, 2026. During those nine days, Desjardins cardholders can still buy, pay and check their account, but several card management features go dark: credit limit increases, PIN changes, contact updates, BONUSDOLLARS and cash back redemptions, and replacement of damaged cards.
The pause is part of a wider overhaul of the Desjardins credit card management system. If you were planning to raise your limit, move house or cash in rewards this month, the window to do it without friction closes on October 11.
As of October 7, 2026, Desjardins says its credit card management system will be under maintenance from October 12 to 20, 2026. Purchases, payments and account viewing keep working. Credit limit increases, PIN changes, contact information updates, rewards redemptions and damaged card replacements are unavailable until the maintenance ends.
What stops from October 12 to 20, 2026
According to Desjardins, six card management features are suspended for the full maintenance period. For business cardholders, the allocation of a credit limit between cards is also on hold.
| Feature | October 12 to 20, 2026 |
|---|---|
| In-store and online purchases | Available |
| Card payments | Available |
| Viewing account information | Available |
| Locking a lost or stolen card | Available by phone only |
| Replacing a lost or stolen card | Available by phone only |
| Credit limit increase | Unavailable |
| Credit limit allocation (business cards) | Unavailable |
| Contact information update | Unavailable |
| PIN change | Unavailable |
| Setting a PIN at first activation | Unavailable |
| BONUSDOLLARS and cash back redemptions or adjustments | Unavailable |
| Replacing a damaged card | Unavailable |
Your card itself is not blocked. Desjardins says fraud detection and prevention systems stay active throughout the maintenance.
What still works during the maintenance
You can keep using your Desjardins credit card in store and online, make payments and view your account information. A lost or stolen card can still be locked and replaced, but only by phone.
The number to call is 1-855-878-2973 from anywhere in Canada and the United States, or 514-878-2973 in the Montreal area. Desjardins also states it will never contact cardholders to ask for personal information in connection with this modernization, so treat any call or text claiming otherwise as a scam.
What to do before October 12
Desjardins asks cardholders to complete any important card management task in advance. In practice, that means acting this week.
- Raise your credit limit now if you expect a large purchase between October 12 and 20
- Update your address in advance if you move during the maintenance period
- Redeem your BONUSDOLLARS or cash back before October 12, since redemptions and adjustments are paused
- Add your card to your phone wallet so you can pay contactless if your physical card fails
- Save the support numbers: 1-855-878-2973 (Canada and U.S.) or 514-878-2973 (Montreal area)
If your card is lost, stolen or damaged during the maintenance
A damaged card cannot be replaced between October 12 and 20. If your card is damaged or a new one is still in the mail, Desjardins suggests paying online or with contactless payments from your phone wallet.
That workaround has a limit: for security reasons, online and mobile wallet payments are not available once a card has been reported lost or stolen. Locking and replacing a lost or stolen card still works by phone.
Accord D financing: what changes this month
Desjardins says the new system changes how Accord D financing is displayed, managed and paid in October 2026:
- Monthly payment: your Accord D instalment no longer shows in your credit card balance; check your statement for the exact amount
- How to pay: instalments and principal prepayments go through your credit card account, then move to the financing within 24 to 72 hours
- Pre-authorized payments: they may stop working; Desjardins says you will receive a notice if that happens
Desjardins is also inviting Accord D holders to convert their financing into a personal loan at a preferred rate. To qualify for that pricing, the remaining balance must be at least $100, the remaining term at least 2 months, and you must be a Desjardins member. Compare the rate offered against what you pay now before switching.
Your first statement after October 19
The first statement issued after October 19 shows only the total of your rewards balance. The detailed breakdown of your rewards program returns on the following statement, according to Desjardins. The statement layout is also simplified, with the amount due and the minimum payment highlighted.
If you hold Desjardins credit balance insurance, the benefit will be calculated on the account balance the day before a covered event, rather than on the last statement balance. Transactions made from the day of the event onward are not covered.
How this fits with your other Desjardins cards
If you are reviewing your Desjardins cards anyway, our guide to the best Desjardins credit cards covers the full lineup, and our ranking of the best credit cards in Canada shows how they stack up against other issuers. You can also compare credit cards side by side, or browse all our credit card guides.
Bottom Line
Raise your limit, update your address and redeem your BONUSDOLLARS or cash back before October 12, 2026. Add your card to your phone wallet now so a damaged card does not leave you stuck. If you carry Accord D financing, read your next statement closely and check whether your pre-authorized payments still go through. To get changes like this one in your inbox each week, sign up for our weekly newsletter.
When is the Desjardins credit card maintenance?
The maintenance of the Desjardins credit card management system runs from October 12 to October 20, 2026. Desjardins announced the dates on September 22, 2026, so cardholders can complete important card management tasks before the pause begins. Purchases and payments keep working during the full nine-day period.
Can I still use my Desjardins credit card from October 12 to 20?
Yes. Desjardins says in-store and online purchases, payments and viewing your account information remain available from October 12 to 20, 2026. Fraud detection and prevention systems also stay active. Only card management features, such as limit increases, PIN changes and rewards redemptions, are paused during those 9 days.
Can I increase my Desjardins credit limit during the maintenance?
No. Credit limit increases are unavailable from October 12 to 20, 2026, and business cardholders cannot reallocate a limit between cards either. If you expect a large purchase during that period, Desjardins recommends asking for the higher limit in advance, which means before October 12.
Can I redeem BONUSDOLLARS during the Desjardins maintenance?
No. Redeeming and adjusting BONUSDOLLARS and cash back are both unavailable from October 12 to 20, 2026. Redeem what you need before October 12. Note also that your first statement issued after October 19 will show only the total of your rewards balance, with full details returning on the following statement.
What if my Desjardins card is lost or stolen during the maintenance?
You can still lock and replace a lost or stolen card, but only by phone. Call 1-855-878-2973 from Canada or the United States, or 514-878-2973 in the Montreal area. For security reasons, online and mobile wallet payments are not available once a card has been reported lost or stolen.
What if my Desjardins card is damaged between October 12 and 20?
A damaged card cannot be replaced from October 12 to 20, 2026. Desjardins suggests paying online or with contactless payments from your phone wallet in the meantime. Adding your card to your mobile wallet before October 12 is the simplest way to avoid being stuck for up to 9 days.
What changes for Accord D financing in October 2026?
Your Accord D monthly payment no longer appears in your credit card balance, and payments go through your credit card account before moving to the financing within 24 to 72 hours. Pre-authorized payments may stop working. Desjardins also offers members with a balance of at least $100 and 2 months left a preferred rate to convert to a personal loan.
Will Desjardins call me about the credit card modernization?
Desjardins says it will never contact cardholders to ask for personal information in connection with the modernization of its credit card system. Treat any such call, text or email as a likely scam. If you have questions, call Desjardins yourself at 1-855-878-2973 or 514-878-2973 in the Montreal area.
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