Choose from alerts for upcoming payment due dates, exceeding your monthly spending budgets, approaching your credit limit, and new credit card eStatements. You can get alerts through push notification, text message and email. Set up alerts through online or mobile banking: Alerts Opens a new window in your browser. make it easy to stay on top of your credit card spending.You’ll still be responsible for repaying your credit card in full. In some cases, this hold may become permanent due to a poor repayment history. Once the past due payment posts, the hold is automatically removed from the account. Any pre-authorized payments that are being charged to the account will also be declined. If this happens, you won’t be able to use your credit card while the account is past due. All CIBC credit cards include a disclosure in the terms and conditions stating a hold may be placed on your credit card if payments are late. If you don’t make your credit card payment on time, your payment is considered late. To find out whether you’re eligible, contact one of our trained credit counsellors at 1-85 Opens your phone app. CIBC could be contacting you to request that you deposit enough money into the account to bring it to a zero balance.ĬIBC has solutions available for clients struggling to make the required deposit. CIBC could be contacting you to request that you deposit money into the account to bring it within the overdraft limit.īanking fees and pre-authorized payments may cause your accounts to have a negative balance, even if you don’t have CIBC Overdraft Protection Service. If you have CIBC Overdraft Protection Service, in some cases, banking fees and pre-authorized payments cause your account to exceed your overdraft limit. If CIBC is contacting you, it’s likely your account has been in overdraft for more than 90 days. You need to deposit enough money to bring your account into a positive balance for at least one full business day once every 90 days. CIBC may be contacting you about your chequing or savings account due to one of the following reasons:
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