FAQ'S: BRICK FLEXITICARD AND FINANCING

Q: How can I apply for Financing?

You can apply for financing in any Brick Store with a quick and easy credit application. You can be approved for up to $20,000 in financing within minutes. Just remember to bring a government issued photo-ID and a major credit card. You can also apply online for instant financing. For more information, or to apply now, please go to: https://www.thebrick.com/pages/financing.

Q: What promotional financing plans do you offer?

If you are applying for financing inside a Brick Store, you can take advantage of one of our industry leading no-interest financing plans. Our financing plans include No Payment plans and Equal Monthly Payment Plans.

In-store, you can qualify for up to 18 months with no payments, or up to 36 Equal Monthly Payments, all with no interest. During some special promotions, these offers might be extended even longer!

Online, you can qualify for up to 18 months with no payments, or up to 36 Equal Monthly Payments, all with no interest on the Brick FlexitiCard – same as in-store.

If you do not have a credit card already, you can instantly apply online, and if approved, get No-Interest Equal Monthly Payments up to 36 months.

Q: Can I choose which financing plan I want?

In-store, there is a tremendous amount of flexibility on which financing option you can choose, within the range outlined above.

Online, you can also choose the best financing option for you.

Q: If I am on a “No Payment” plan, and I do not pay my full balance off by the due date, will all the built-up interest over the period be due?

Absolutely not. The Brick financing plans never have the accumulated interest feature, like many other credit cards. So, if you miss your payment due date, the interest would start to apply from that statement period and moving forward.

Having said that, in order to ensure your credit score rating is preserved and not negatively impacted, we highly encourage you to make your payments on time and truly take advantage of our no-interest offers.

Q: Which bank issued my financing/credit card?

Flexiti Financial is the issuer of the Brick’s financing/credit card.

For the most accurate information on the following inquiries, please contact Flexiti Financial at 1.877.259.3745

  • Balance Inquiries
  • Payment Inquiries
  • Address Changes
  • Online Statements

Q: Can I make my payments through mobile/online banking?

Yes. To ensure you have the most accurate ‘payee’ for your online banking, please search for “Flexiti Financial” or contact your financial institution prior to initial setup.

Q: Who can I contact to correct an error in my financing promotion (type of financing or length of promotion)?

Please call us at 1-800-465-2742 or send us an email to brickcard@thebrick.com and we respond to your request within two business days. Our hours of operation are Mon-Fri, 8am to 5pm MST.

Q: I am having a hard time understanding my statement, and determining what amounts are due, and when. Is there somewhere I can go to better understand my statement?

For Flexiti Financial, please see the attached How to Read Your Statement document.
View Document

Q: If I enrolled in the Simply Secure™ Payment Protection Plan insurance coverage when I applied for financing, and I lost my income, can I benefit from the insurance coverage?

Yes. If you are currently enrolled, in good standing, in the credit insurance coverage provided by Trans Global Insurance, and you either lost your job, got hospitalized with illness, got critically ill, or worse, you should call Trans Global Insurance’s claims department and see if you qualify for a claim.

Contact Info:

Trans Global Insurance
1.844.930.6022
clientcare@transglobalinsurance.ca

DESJARDINS BRICK CARD CUSTOMER FAQ

As of January 1st, 2022, The Brick Visa Desjardins credit card program will end. This means both in-house financing & Visa transactions on the Brick Visa Desjardins cards will no longer be accepted in store or online.. This also means that Visa Desjardins cardholders will not be able to make payments to their accounts in store. No new purchases will be allowed after December 31, 2021 but the terms on all existing financing promotions on customer accounts will be honored.

See below for answers to some common questions about your Brick Visa Desjardins Card account:

Q: If I enrolled in the Simply Secure™ Payment Protection Plan insurance coverage when I applied for financing, and I lost my income, can I benefit from the insurance coverage?

Yes. If you are currently enrolled, in good standing, in the credit insurance coverage provided by Trans Global Insurance, and you either lost your job, got hospitalized with illness, got critically ill, or worse, you should call Trans Global Insurance’s claims department and see if you qualify for claim.

How long will instore payments for my Brick Visa Desjardins cards be accepted? 

We will be able to accept in-store payments up to December 31st.
As of January 1st, VisaD cardholders will have to choose another method.

Customers can make their minimum payment (including the monthly Accord D installment), in one of the following ways:

  • - At Desjardins and most financial institutions* (Customers can add their bill to the Desjardins-issued Brick Visa Desjardins credit card using their card or account number):
    • Online
    • At an ATM
    • At the teller counter
    • By pre-authorized payment
    • By mail, with a cheque made out to Desjardins Card Services (including the tear-off portion of their account statement)
*Participating financial institutions only

How will I be notified that my card has been discontinued?

All Brick Visa Desjardins cardholders were notified through a message on their Desjardins account statement for the month of October 2021.

Will Desjardins require me to pay off my entire card balance immediately?

The terms on all existing financing promotions on your VisaD card account will be honored.

Will my Simply Secure payment protection insurance on the Brick Visa Desjardins card continue?

Yes. If you are currently enrolled in Simply Secure payment protection insurance, their coverage will remain in force for as long as you have an outstanding balance in good standing and you continue to pay the associated insurance premiums.

Will I continue to be charged an annual fee after my account is closed? 

Although they may still carry a balance on their card after their account is closed, Desjardins will no longer bill annual fees to Quebec cardholders at that time.

Who do I contact if I have questions about my Brick Visa Desjardins card account?

Contact Desjardins at 1-800-363-3380.

Who do I contact if I have questions about my Simply Secure payment protection plan insurance? 

Contact Trans Global Insurance customer service at 1-844-930-6022.

Will I be able to submit a claim to Desjardins Financial Services for a trip of no more than 3 days that would have taken place before the discontinuation date? 

You will be able to submit a claim to Desjardins Financial Services if you take the trip before your Visa card is discontinued. However, the trip must comply with the terms and conditions in the insurance policy. Claims can be made by calling:

  • From Canada and the United States (toll free): 1-800-463-7845
  • From anywhere in the world (collect call): 418-647-5299 assurancevoyagedesjardins.ca.

What happens to Desjardins member Protection and the Equifax credit monitoring service after my Brick Visa Desjardins card is closed?

If the Brick Visa Desjardins card is the only product that you have at Desjardins, you will no longer be able to benefit from Desjardins Protection. However, the Desjardins offer of free subscription to Equifax alert services for a period of 5 years remains. You have until December 31st, 2022, to request your activation code by calling Desjardins a at 1-800-363-3380, and you have until March 31st, 2023 to sign up.

Will re-issued Brick Visa Desjardins credit cards be sent out through December 31st, 2021?

No. New Brick Visa Desjardins credit cards are sent out 3 months before their expiration dates. As of November 2021, card reissues will no longer be shipped.