General conditions

1. Responsibility of the primary cardholder

As the primary cardholder of the credit card account, I am solely responsible towards the Bank for all obligations under the credit card agreement. For example, I am solely responsible of the payment of the credit card account balance.

2. Applicable conditions to the authorized user

I confirm that the authorized user:

  • has authorized me to submit this application on his behalf, and

  • consents to the collection, use and disclosure of his personal information as set out in the Privacy Policy available at nbc.ca.

3. Examples of credit charges calculated over a period of 30 days

Examples of credit charges calculated over a period of 30 days

Annual interest rate

Average balance
  $500 $3 000
8.9% $3.66 $21.95
12.9% $5.30 $31.81
20.99% $8.63 $51.76
22.49% $9.24 $55.45
25.99% $10.68 $64.08
27.49% $11.30 $67.78

4. Additional information

For more information, you can contact us at 514 394-1427 or toll free at 1 888 622-2783 or visit our website at nbc.ca/Mastercard

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Collection use and disclosure of my personnal information

The Bank and its subsidiaries collect, use and communicate my personal information, in particular to:

  • verify my identity and creditworthiness
  • provide me with the requested products and services and manage my account
  • understand my financial needs, to select products and services that suit me and to improve my interactions with the Bank (unless I refuse)
  • prevent fraud, manage risks and comply with laws
  • allow the Bank to improve and develop products and services and better understand its customers
  • allow the Bank to present offers and other promotional communications or those of their business partners (unless I refuse)
  • for any other purpose set out in the Bank’s Privacy Policy available at www.nbc.ca.

The Bank and its subsidiaries will keep my personal information for a reasonable period of time following the end of the business relationship in order to comply with their legal obligations.

The Privacy Policy mentions, among other things:

  • What information the Bank collects, with whom they communicate it and how they use and store it
  • My options and rights
  • How to manage my consents

For any question, I can contact my branch or the Privacy Officer at confidentiality@nbc.ca.