1. Why is CIBC introducing CIBC CreditSmart features?
CIBC CreditSmart features are part of CIBC's promise and commitment to help our customers get the very most out of their credit card. In addition to existing benefits, CIBC now also offers you a revolutionary new approach to credit card management. The goal is to provide you with information and tools to help you make confident credit decisions that are right for your life - today, tomorrow or as your needs change.
2. How do I start using the CIBC CreditSmart features?
CIBC Visa cardholders can take advantage of the full suite of CIBC CreditSmart features, you will need to register/sign on for online banking.
CIBC CreditSmart features that require online banking access include:
NOTE: You can register to access CIBC CreditSmart features even if you're not a CIBC banking customer - all you need is a CIBC VISA Card.
3. Are the CIBC CreditSmart features only available online?
CIBC Visa cardholders will have access to some new CIBC CreditSmart features, regardless of whether or not they're enrolled in CIBC Online Banking. These features include:
The online features were developed as self-service features so you could have the flexibility to manage your account the way you want, whenever you want.
4. I'm already a CIBC VISA cardholder. Will my card automatically have CIBC CreditSmart features?
Yes. CIBC VISA Cards have CIBC CreditSmart features. With these new features comes our commitment to help you get the very most out of your credit card. In order to take full advantage of all the exclusive features offered by CIBC, you will need to register for online banking, if you haven't done so already.
5. Is there a monthly fee for using the CIBC CreditSmart features?
These features are available to you free of charge with your CIBC VISA Card. They are a standard set of features available to help you manage your credit card account. It's just one of the many benefits of being a CIBC VISA cardholder.
6. Can I customize the CIBC CreditSmart features?
Yes you can. The features have been built so that you can customize them. So you have flexibility to manage your account the way that best suits you. For example, you can set your own budgets in 10 different spend categories, set-up spend alerts, fraud alerts and/or credit report alerts, choose the channels of notifications that best suits you, create your personal spending categories to track what's important to you and more. Even better, your CIBC CreditSmart feature settings can be updated as your needs change.
7. How can these CIBC CreditSmart features help me?
CIBC CreditSmart features were specially designed to help you make confident credit decisions that are right for your life. Benefits such as:
Easy Organization of your spending to eliminate the guesswork:
Manage your monthly and year-to-date credit card spending with ease using our enhanced monthly statement and online spend report.
Smart Management to help you stay on track:
Stay on top of your monthly credit card spending with our simple-to-use tools including spend alerts and personal spend manager.
Increased Security to protect you at all times:
Keep your personal information safe and secure with helpful tools like credit report alerts, fraud alerts and identity theft assistance.
