1Promotional Rate on Balance Transfers: The Promotional Rate on Balance Transfers is available for Balance Transfers that are posted to your Credit Card Account within 90 days of your Credit Card Account being opened, and will apply for the first 180 days after those Balance Transfers are posted to your Credit Card Account. Offer may be withdrawn at any time.
2Over the Credit Limit: The over the credit limit fee will not be charged to Quebec residents.
Dishonoured Payment to Manulife Bank Fee: This fee applies if a payment to your Credit Card Account made by cheque or pre-authorized debit from any financial institution, including Manulife Bank, is not accepted due to non-sufficient funds.
Fee for Copy of Statement or Transaction Receipt: There is no charge for a copy of the current monthly statement or a transaction receipt appearing on it or if the inquiry is due to a Manulife Bank error. $5 is charged for each additional copy of a prior monthly statement or transaction receipt appearing on a prior monthly statement. Transaction receipts may not be available for all types of transactions.
More information about Interest and the Grace Period: When interest is charged on a new Purchase, it is charged from its Transaction date. Interest is charged on Cash Advances from the date they are taken. Interest is charged on Balance Transfers from the date they are posted to your Credit Card Account.
Merchant’s Fees: Merchants may be charged higher fees for the acceptance of premium cards (Visa Infinite Cards).
Interpretation: Capitalized terms used in this application have the meanings given to them in the Cardholder Agreement unless otherwise defined.
Quebec only: You have expressly requested that this form and any related documents be drawn up in English. Vous avez expressément exigé que le présent formulaire et tout document qui s’y rattache, soient rédigés en anglais.
For more information about Manulife Bank Credit Cards, please call 1-844-323-7053 toll-free. The Card interest rates and fees shown are current as of May 3, 2017; they may change from time to time.