Okay so I buy a Fridge and a bookshelf in May at Leons in Windsor. The lady said we have changed financing companies and we are now with Desjadins. Everything stays the same, credit limits everything. So I put it on the promotional rate of do not pay until November 2010. This month I get the shock of my life when I notice that my 6000 limit has been reduced to match my purchase? So now it looks like I maxed out my card and my credit rating is hurt. So I email them and they said that because I didn't pay anything on the card they were well within there right. I said but I don't owe anything for another year. That is beside the point. I have copied and pasted this email they sent me. So basically it's a scam it's not don't pay until whatever they want there money or they will hurt your credit score. 20 minutes on the phone with Jeremy and Matt and I believe my limit is now back to 6000.00 but what about the people who don't look. It's a scam.. People don't shop at leons.. or get a desjarding card.
here is the email.
We thank you for the interest you have shown in Desjardins Card Services. After verifying the information on your account, here is the information that you have requested:
Please note that your first credit approval for financing at Leon's was indeed the amount specified in your first e-mail. Although, said credit limit can decrease if considered appropriate by Desjardins Card Services. Hence, since your financing credit limit has not been used since the opening of your Leon's VISA Desjardins credit card, and since we have not received any payment onto your account, your financing credit limit has been reduced in order for us to be able to analyze your usage of the account.
Please refer to your Variable Credit Agreement, which states that: "Any and all credit limits may be increased, at Desjardins Group's discretion, upon request from the cardholder, or decreased if Desjardins Group deems it appropriate after having analyzed the cardholder's file".
We wish to apologize for any inconvenience this situation might have caused you. If you have any further inquiries regarding your credit limit, please contact us at 514 397-4415 or toll free at 1 800 363-3380 so that we are able to find common ground to accommodate you.
Benefit from our online customer service, a secured, personalized and quick service! You may contact us by e-mail at any time. Your e-mail address is already registered to your file!
We remain at your disposal for any additional information or service. Please contact us by e-mail or by telephone at 1-800-363-3380 if you wish to speak with one of our customer service representatives.
Internet Centre Representative
Desjardins Card Services
425 Viger Avenue West
Montreal (QC) H2Z 1W5
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