$1,046.90.
$11.50 $145.41
Account number 5360 xxxx xxxx 6496
Dear Michael,
Statement period Jan 21 to Feb 20, 2025
Here's your latest statement for your Tangerine Money-Back Credit Card.
Your new balance is $1,046.90. Previous balance $2,292.91
Payments & other credits -$2,292.91
You earned $11.50 in Money-Back Rewards during this statement period. Transactions $1,046.73
Use your Card for all your purchases and continue to enjoy earning Cash Advances $0.00
Adjustments $0.00
Money-Back Rewards. Remember, your 2% Money-Back Categories are Interest charges* $0.17
Gas, Grocery and Recurring Bill Payments.You earn 0.50% Money-Back Fees $0.00
Rewards on all other purchases. New balance $1,046.90
Minimum payment due by Mar 17, 2025 $52.35
Thanks for using the Tangerine Money-Back Credit Card. *In Quebec, these are credit charges.
Sincerely,
Credit Card Services Recurring Bill Payments $4.33
Tangerine Gas $2.41
Grocery $1.62
Other Spending $3.14
Earned this statement: $11.50
Credit limit $2,000.00
Credit available $953.10
Cash advance limit $600.00
Cash advance available $600.00
Please detach this portion when mailing payment.
Account number 5360 xxxx xxxx 6496
Statement period Jan 21 to Feb 20, 2025
New balance $1,046.90
Minimum payment $52.35
Minimum payment due by Mar 17, 2025
Michael Debrey Payment enclosed $
250 Rue Des Cépage
Laval QC H7A 0G5
• Online at Tangerine.ca
• With a smartphone or tablet using
our Mobile Banking app
Previous Balance $2,292.91
Transaction Posted Description Category Amount Reward
Date Date Earned
20-Feb-2025 20-Feb-2025 CASH INTEREST – $0.17 –
Transaction Type Annual interest rates Interest charges*
15-Feb-2025 17-Feb-2025 AGENCE DE MOBILITE DUR $8.57 $0.04
MONTREAL QC Purchases 20.95% $0.00
12-Feb-2025 14-Feb-2025 AGENCE DE MOBILITE DUR $11.84 $0.06 Cash Advances 22.95% $0.17
MONTREAL QC
*In Quebec, these are credit charges.
11-Feb-2025 11-Feb-2025 AMZN Mktp CA*017RP8ML3 $67.82 $0.34
WWW.AMAZON.CAON
At your current rates of interest, if you only make your
07-Feb-2025 10-Feb-2025 AGENCE DE MOBILITE DUR $7.94 $0.04
MONTREAL QC Minimum Payment by its due date each month,
06-Feb-2025 07-Feb-2025 ECONOFITNESS ADMIN MON $39.21 $0.20 it will take approximately 6 year(s) and 4
BLAINVILLE QC
month(s) to repay the account balance shown on this
06-Feb-2025 06-Feb-2025 IDOLEM CEN* IDOLEM - C $159.82 $3.20
SAINT-LAURENTQC statement.
03-Feb-2025 03-Feb-2025 ATELIERS & SAVEURS MTL $67.84 $0.34
MONTREAL QC
02-Feb-2025 03-Feb-2025 COSTCO ESSENCE W505 LAVAL QC $24.72 $0.49
02-Feb-2025 03-Feb-2025 OEUFS & CIE BROSSARD QC $58.43 $0.29
01-Feb-2025 03-Feb-2025 WAL-MART #1032 LAVAL QC $36.50 $0.73
Your chosen 2% Money-Back Categories
31-Jan-2025 03-Feb-2025 COSTCO ESSENCE W505 LAVAL QC $53.03 $1.06
Gas
31-Jan-2025 03-Feb-2025 MAXI #8632 MONTREAL QC $11.00 $0.22
Grocery
31-Jan-2025 03-Feb-2025 CARREFOUR LAVAL SHANGH $28.90 $0.14
LAVAL QC Recurring Bill Payments
31-Jan-2025 03-Feb-2025 TIM HORTONS #5858 MONTREAL $1.75 $0.01
QC
31-Jan-2025 31-Jan-2025 Amazon.ca Prime Member $11.49 $0.23 Currently earning 0.50% Money-Back
amazon.ca/priBC (Eligible 2% Money-Back Categories)
30-Jan-2025 03-Feb-2025 FIZZ (TX. INCL.) MONTREAL QC $44.84 $0.90 Drug Store
27-Jan-2025 28-Jan-2025 SUPER C LAVAL CONCORDE LAVAL $6.99 $0.14
QC Eating Places
27-Jan-2025 28-Jan-2025 DOLLARAMA #1032 LAVAL QC $2.50 $0.01 Entertainment
26-Jan-2025 27-Jan-2025 ATELIERS & SAVEURS TOM $56.34 $0.28 Furniture
MONTREAL QC
25-Jan-2025 27-Jan-2025 ATELIERS & SAVEURS MTL $20.00 $0.10 Home Improvement
MONTREAL QC
Hotel & Motel
24-Jan-2025 27-Jan-2025 AMZN Mktp CA*ZG3ZC6J81 $26.31 $0.13
WWW.AMAZON.CAON Public Transportation & Parking
24-Jan-2025 27-Jan-2025 COSTCO WHOLESALE W505 LAVAL $149.47 $0.75 All other eligible spending receives 0.50% Money-Back
QC
24-Jan-2025 27-Jan-2025 COSTCO ESSENCE W505 LAVAL QC $43.13 $0.86
24-Jan-2025 27-Jan-2025 ECONOFITNESS (P.I.) MONTREAL $39.21 $0.20
QC
24-Jan-2025 27-Jan-2025 MAXI & CIE LAVAL #8384 LAVAL QC $26.70 $0.53 • Contact us online at Tangerine.ca
24-Jan-2025 27-Jan-2025 TIM HORTONS #2986 ST-SAUVEUR $7.74 $0.04 • Or call collect: 416-758-3139
QC
24-Jan-2025 24-Jan-2025 Amazon.ca*ZG4MY5LA1 AMAZON.CA $32.80 $0.16 • To report a lost or stolen card,
ON call 1-888-826-4374
23-Jan-2025 23-Jan-2025 PAYMENT - THANK YOU – -$2,292.91 –
20-Jan-2025 22-Jan-2025 AGENCE DE MOBILITE DUR $1.84 $0.01
MONTREAL QC
New Balance – Michael Debrey $1,046.90 $11.50
• Online at Tangerine.ca
• With a smartphone or tablet using
our Mobile Banking app
• At most financial institutions
• By phone at 1-888-826-4374
• Or detach, complete & mail this portion
with your cheque payable to:
Tangerine Money-Back Credit Card
3389 Steeles Ave E
Toronto ON M2H 0A1
(Please don't attach correspondence or send cash.)
Page 2 of 3
1. Tangerine.ca: All of your Account information, including your current 5. Statement Errors: You agree to promptly review your statement and
balance, credit limit, transaction details and Money-Back Rewards summary, notify us of any errors or irregularities. We investigate errors reported to us
are available online through your secure online Account management page. within thirty (30) days of the Statement Date. If we don’t receive notice from
Go to tangerine.ca and log in to view your Account. you within thirty (30) days of the Statement Date, we will consider the
statement, every item on the statement, and our records respecting the
2. Minimum Payment: The monthly statement will show a Minimum Credit Card Account and statement to be correct. However, if we discover
Payment that we must receive from the Primary Cardholder that month on that we incorrectly credited your Credit Card Account, we may reverse the
or before the Payment Due Date. The way we calculate your Minimum credit at any time.You and your Authorized User(s) are required to cooperate
Payment is shown on your Disclosure Statement and is available at fully with any investigation we conduct.
tangerine.ca. For Balances that are less than the Minimum Payment, the
Minimum Payment will equal the outstanding Balance. 6. Foreign Currency Transactions: We will bill you in Canadian currency
for any amount incurred in a foreign currency on your Credit Card Account
3. Transaction/Posting Date: Each transaction made on your Credit Card (including returns). We will convert foreign currency amounts into Canadian
Account will display both a transaction and posting date. The transaction currency at the exchange rate set by Mastercard International Incorporated
date refers to the date the transaction was actually made on your Credit (“Mastercard”) in effect on the date we post the Transaction to your Credit
Card Account (i.e. the day the purchase occurred) and the posting date Card Account. This exchange rate may be different from the rate in effect
refers to the date that the transaction gets applied to your Credit Card on the Transaction date. When the amount is posted to your Credit Card
Account.You will earn applicable Money-Back Rewards when the transaction Account, in addition to the exchange rate, you will be charged a foreign
posts to your Credit Card Account. currency conversion fee for each converted amount. The foreign currency
conversion fee is disclosed in your Disclosure Statement and applies to
4. Interest and Grace Period (on new Purchases): We calculate interest both debit and credit transactions. Any amount incurred in a foreign currency
on any amount owed from the Transaction date until that amount has been on your Credit Card Account may be converted into another currency (such
paid in full. However, we do not charge interest on new Purchases that as U.S. Dollars) before it is converted to Canadian Dollars and posted to
appear on your Credit Card Account statement for the first time if we receive your Credit Card Account. Credits to the Credit Card Account involving a
payment in full of your Balance (as shown on your Credit Card Account foreign currency will also be converted directly to Canadian Dollars, or first
statement) by the Payment Due Date on that statement. This interest-free to U.S. Dollars and then to Canadian Dollars, depending on the foreign
grace period does not apply to Cash Advances. We charge interest on Cash currency as described above. Whether or not foreign currency will be
Advances as described in “Interest on Cash Advances, including Balance converted directly to Canadian Dollars before being posted in your Credit
Transfers and Cash-Like Transactions”, below. Card Account is determined by Mastercard and is subject to change. If the
Card is used for a Transaction in a foreign currency, and the Transaction
You can avoid interest charges on new Purchases by ensuring that we
is subsequently cancelled or refunded, the credit to the Credit Card Account
always receive payment of the Balance in full every month by the Payment
will not be exactly the same as the original Transaction because we do not
Due Date.You will lose your interest-free status if we do not receive payment
reverse the foreign currency conversion fee and the exchange rate may be
of your Balance in full by the Payment Due Date. This means that we will
different on the date when the cancelled or refunded Transaction is posted
charge you interest on the new Purchases that appeared on that statement,
to your Credit Card Account. Once the credit has been processed, you will
accruing from the original Transaction date until the date it is paid in full.
be required to pay any remaining balance of the Transaction resulting from
These interest charges will appear on your next monthly statement. We do
an exchange rate differential.
not charge interest on top of interest or fees.
The conversion rate shown on your Credit Card Statement includes
If interest is charged, we calculate it daily using the annual interest rate(s)
Mastercard's exchange rate and the foreign currency conversion fee we
as shown on your monthly statement. We calculate interest on any amount
charge you. The conversion rate shown only displays the first nine decimal
owed each month by multiplying the outstanding average daily balance
places (following the decimal point), even though we use the more detailed
(excluding fees and interest) by the applicable daily interest rate or rates
calculation explained above to convert to Canadian dollars.
(note that the applicable daily rate is the annual interest rate in effect divided
by the number of days in the year), and adding together those interest 7. Tangerine Money-Back Rewards: This Agreement sets out the Terms
charges for each day in that month. The total is the amount of interest we and Conditions applicable to your Card(s) and Credit Card Account. We
charge you on your monthly statement. may also provide other benefits with the Card, such as a rewards program.
We will provide you with the initial principal features and Terms and
Interest rates are subject to change. Any change to the applicable annual
Conditions of any such program, typically in a separate Rewards Program
interest rate(s) will be indicated on your statement and prior notice of that
Terms & Conditions booklet, which is provided to you with the Card or by
change will be provided to you as described in “Changes to this Agreement”.
such other means as we determine.The most current version of the Rewards
Program Terms & Conditions is also available on our website; at
tangerine.ca. Rewards programs may be changed or cancelled by us at any
time, without prior notice to you (unless notice is required by law).
The 'Tangerine' trademarks are owned by The Bank of Nova Scotia and
used under licence.
Page 3 of 3
