Credit Card FAQs
Activating your new BlueShore Collabria Mastercard
- How do I activate my account?
When you receive your card, you must activate it by calling the number on the sticker affixed to the front of your card. You will be asked for your credit card number, your date of birth and the CVV number on the back of your card. Your card will be automatically activated. Once this is done and you have received your PIN (in a separate mailer), you can begin using your card.
- How do I get a PIN?
Shortly after you receive your new card, you will receive a PIN mailer, sent separately for your protection. You can use the PIN provided in the mailer or change it to something that you can more easily remember.
- How do I change my PIN?
You can change your PIN at any BlueShore ATM or by calling Collabria Cardholder Service at 1.844.788.2725. Please note that you must know your current PIN to change it at an ATM.
- What if I forget my PIN?
If you forget your PIN, you can call 1.844.788.2725. The Collabria Cardholder Service will verify your identity through a series of security questions and will provide you with a new PIN that you must use within a specific period of time as well as instructions on how to activate your new PIN.
- I ordered two cards as co-applicants. How do I handle the PIN process?
If you ordered a secondary card under one account for joint credit, perhaps for your spouse or a business partner, the two cards and their associated PIN mailers will be mailed directly to the person. Each cardholder will receive their card and their PIN separately to activate.
- I ordered two different types of cards at the same time. How will I know how to match the PIN with the right card?
If you ordered more than one card at the same time – for example, a World Mastercard and a U.S. Dollar or Business Mastercard, you might receive the PIN mailers at the same time as well and not know which PIN belongs to which card. As the details of PIN mailers are confidential, the best solution is to follow the “Changing Your PIN” option as described on the mailer and select a new PIN for each card.
Making a Payment
- How can I make a payment?
You can make a payment through Online Banking, at the branch, at a BlueShore or other credit union ATM, or through Collabria’s MyCardInfo card management site. Please note the exception is the U.S. card – please see below.
- Can I use BlueShore Online Banking to make a payment on my U.S. card?
Payments on the U.S. card can only be made in U.S. funds. If you have a USD savings or chequing account with BlueShore (or another financial institution), you will be able to make a payment using that account – either through Collabria’s MyCardInfo site or at a branch.
- Can I set up an automatic payment each month?
You can set up a recurring pre-authorized payment to pay either the minimum monthly payment or the full balance. On the payment due date each month, funds will be automatically withdrawn from your chequing or savings account. To set this up, call Collabria Cardholder Service at 1.844.788.2725 or go to their MyCardInfo site.
Managing your account
- Where can I check my balance, review transactions, verify and make payments and other card management activities?
MyCardInfo is Collabria’s online account management tool where you can access account information 24/7. You can register for a MyCardInfo account as a Collabria cardholder. With MyCardInfo, you can check current balances, review recent activities, verify the last payment made, make payments, view eStatements and more.
- How do I enroll in MyCardInfo?
Enrolling is as simple as entering your account information, assigning a username, password and personal security code and completing a few security questions. You will then have access to your online account. To enroll, click the “Home” link at the bottom of the page and you’ll be redirected to the enroll/login page. Click “Enroll” to get started.
- What if my Username or Password does not work?
If you encounter any questions or concerns that are not answered by the online instructions during your enrollment or login process, call Cardholder Service at 1.855.341.4643 for assistance.
- I have more than one card. Can I manage both within MyCardInfo?
You will need to enroll in MyCardInfo for each card with its own unique user name and password. So for example, if you have a personal card, a U.S. card and a business card, each one will require a separate MyCardInfo account.
- Can I make cash advances with my new card?
Yes, cash advances will be available at any ATM carrying the Mastercard or CIRRUS logo, including BlueShore ATMs. The limit is $800.
- Do the Collabria cards support both chip and contactless (tap) technologies?
Yes, the Collabria cards support both. You can simply tap your Mastercard on secure readers for quick and convenient payment at retailers that offer this capability (typically available for transactions of $100 or less).
- Do business cards offer a revolving limit as well as a consolidated monthly limit option?
All three business Mastercards will offer either individual or consolidated payment options.
- What types of rewards does Collabria’s points program, FlexRewards, offer?
FlexRewards offers a wide range of ways to redeem your points – from adventure activities to cruises, flights and hotels, to event tickets, merchandise and gift cards. You can even get cash back to apply as a statement credit. Full FAQs can be found on the FlexRewards catalog site for each category.
- How do I manage my rewards points?
The FlexRewards catalog is a separate website where you can browse rewards categories and redeem your points. This requires a unique registration and login, but once you’re logged in, the site displays your available points.
- Can I purchase points?
If your points balance is insufficient to obtain a desired reward, you may be able to supplement your points through a charge to your account. The additional cost of the reward will be shown at the check-out area of the rewards site.
- Is there a cap on how many points I can redeem?
You are allowed to redeem a maximum of 80,000 points ($800 value) within a statement cycle.
- Is there a minimum number of points I can redeem?
The minimum number of points you can redeem is 2500 ($25 value).
- How are rewards points calculated on purchases made in a foreign currency?
Reward points are calculated on the converted Canadian dollar amount.
Alerts and security
- How can I protect my card and help prevent fraud?
If there is any unusual purchase activity, Collabria will contact you immediately to determine if there are unauthorized actions associated with your account. You can also sign up for real-time fraud text alerts that are sent directly to your mobile phone. These alerts can help you prevent fraudulent transactions from occurring on your card. Enrolling is easy and this service is free. (Standard text messaging rates may apply.) Learn more.
- Are there ways to protect fraudulent use of my card if I shop online?
Online shopping is more popular than ever, and Mastercard SecureCode® gives you an extra layer of protection to help prevent online fraud. Even if someone knows your card number, the purchase can’t be completed without your SecureCode at a participating merchant.
- Am I liable for purchases on my card that were not made by me?
Collabria Mastercards provide zero liability. You can shop with complete confidence – online or in stores. You’re only responsible for purchases you’ve authorized on your Mastercard account.
- How do I report a lost or stolen card?
Collabria offers the full suite of Mastercard Global Services to help you with reporting a lost or stolen card, obtaining an emergency card replacement or receiving an emergency cash advance. In Canada and the U.S.:1.800.MC.Assist (1.800.622.7747); International Collect: 1.636.722.7111.
- Who do contact if I have any questions?
If you are unable to find the information you need, call Collabria Card Service at 1.855.341.4643. If you would like advice on which Mastercard is right for you or guidance on managing credit, please contact us at 604-982-8000 or toll-free 1-888-713-6728.