Legal Disclaimer
**Online prices and sale effective dates may differ from those in-store and
may vary by region. Selection and availability may vary by location.
‡Was price reflects the last national regular price this product was sold for.
†The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle™ Mastercard®, Triangle™ World Mastercard® and Triangle™ World Elite Mastercard® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). To collect bonus CT Money you must present a Triangle Rewards card/key fob, or use any approved Cardless method, at time of purchase or pay with a Triangle credit card. You cannot collect paper Canadian Tire Money on bonus offers. Any bonus multiplier is based on the base rate of collecting CT Money (0.4%), and will be added to whatever the Member would otherwise collect, without the bonus. Example: On a $100 (pre-tax) purchase with a 20X bonus multiplier a Member would earn a bonus $8 in CT Money (20 X .4% X $100). The 30X for Triangle Mastercard, World Mastercard and World Elite Mastercard customers consists of the 10X everyday plus the 20X bonus. Not all items sold are eligible to earn CT Money or to be redeemed for. Conditions apply. VisitTriangle Rewards: Sign Up & Earn Todayfor full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase. Bonus CT Money collected from online orders will be applied to the Member’s Triangle Rewards Account within five weeks of the purchase date. No rainchecks.
^Information for the Triangle™ Mastercard® and Triangle™ World Elite Mastercard®:
Annual Interest Rate(s):All charges to your account (excluding cash transactions and related fees) —19.99%
Cash transactions(for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees —21.99%(if you reside in Quebec) or22.99%(if you reside outside Quebec).
For the Triangle Mastercard only:If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at the following annual interest rates: (i) if you are a resident of Quebec,21.99%for all charges; or (ii) if you reside outside of Quebec,25.99%for all charges (excluding cash transactions and related fees) and27.99%for cash transactions and related fees.
Foreign Exchange Conversion:All transactions made in a foreign currency will be converted to Canadian currency at the then current Mastercard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.
Annual Fee: None
Other Fees:
Cash Advance Fee:$4 - Charged when the transaction is posted to your account.
NSF/Dishounoured Payment Fee:$25 - Charged if a payment you make is dishonoured.
Charges for Copies: $2— Charged when you request a copy of a statement.
Credit Balance Fee:The lesser of$2or the amount of your credit balance - Charged on the last day of a billing period when there is a credit balance on the account and the account has been inactive (other than any credit balance fees) for the previous2billing periods.
*Financing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payments plan. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Offer subject to change without notice.
Additional information for residents of Quebec only:The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10; or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, (c) any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. The Triangle Mastercard and the Triangle World Elite Mastercard do not have an annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
If your average balance is: | Total monthly credit charges will be: |
|---|---|
$100 | $1.64 |
$500 | $8.22 |
$1000 | $16.43 |
$2000 | $32.86 |
**Cardmember must apply and be approved for a Triangle Mastercard or Triangle World Elite Mastercard and make an eligible purchase using their card within 30 days of approval to receive the bonus. Minimum first purchase of $50. The $50 bonus will be applied to the cardmember’s Triangle Rewards Account within 10 days after making an eligible in-store or online purchase at participating Sport Chek.
®/™ Mark's is a registered trademark of Mark's Work Wearhouse Ltd, used under licence.
®/™ Atmosphere & Sport Chek are registered trademarks of FGL Sports Ltd.
®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.
®/™ Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
††Bonus CT Money is based on sku #334114114 with a sales price of $300.00 a Triangle Select member could collect $12.00 for the 10x everyday in-store bonus plus $24.00 for the 20x in-store brand boost for a total of $36.00 in CT Money. Prices may vary and dealer could sell for less.
The text you provided seems to be a legal disclaimer associated with the Triangle Rewards Program by Canadian Tire Corporation. As for demonstrating my expertise on the matter:
The content you shared refers to various terms and conditions related to the Triangle Rewards Program, specifically focusing on the use of Triangle credit cards, the accrual of Canadian Tire Money (CT Money), interest rates, fees, and other program-related details. My familiarity with this content stems from an understanding of financial and loyalty program structures, including how credit card programs operate, the mechanisms behind reward accumulation, interest calculations, and the legalities involved in such agreements.
To break down the concepts mentioned:
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Online and In-store Discrepancies: This refers to potential differences in pricing and effective dates between online and physical stores, highlighting regional variations in selection and availability.
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Triangle Rewards Program: Owned by Canadian Tire Corporation, it encompasses various credit cards (Triangle Mastercard, Triangle World Mastercard, and Triangle World Elite Mastercard), rewarding customers with CT Money on purchases made at affiliated stores.
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CT Money Accrual: Describes how CT Money is earned, calculated as a percentage of the purchase amount, with bonus multipliers for specific cardholders and purchases. However, certain items or transactions might not be eligible for CT Money rewards.
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Interest Rates: The text details annual interest rates for different transactions (purchases, cash advances) and potential variations based on residency. It also outlines fees associated with cash advances, statement copies, and other transactions.
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Fees and Charges: Specifies additional fees for transactions like cash advances, dishonored payments, statement copies, and credit balance fees.
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Special Payment Plans: Provides information on special financing options for purchases made using the Triangle credit card, indicating the absence of interest if the full amount is paid within a specified period. However, failure to meet payment obligations could lead to interest charges.
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Quebec-Specific Information: Provides additional details regarding interest rates and billing periods for residents of Quebec.
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Examples and Calculations: Offers examples of borrowing costs based on different average balances, demonstrating how monthly credit charges vary.
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Bonus Offers: Details requirements for bonus offers tied to the Triangle Mastercard or Triangle World Elite Mastercard, including the minimum purchase amount required to qualify for the bonus.
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Trademark Information: Specifies trademarks associated with the program and participating stores.
Understanding the intricate details of loyalty programs, financial agreements, interest rates, and legal disclaimers associated with credit cards and reward systems has helped me interpret and comprehend the nuances outlined in the provided text.
