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Home Credit Card Disclosures (Quebec)

Home Credit Card Disclosures: Effective January 1, 2014 (Quebec)

Everyday Revolving
Subject to credit approval. Interest is calculated at 28.8% per annum on the average daily balance in accordance with the terms of the Cardholder Agreement. Interest charges are waived during the Grace Period of an Account Statement for new Purchases made under the Regular Credit Plan if the balance is paid in full on or before the Payment Due Date. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

3 Months Same As Cash
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable) is required to be paid at time of purchase. Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Province of Quebec only: interest will be waived if the following conditions are met: (1) the applicable minimum monthly payments, as required, are made each month by the due date, and (2) the full balance is paid by the end of the promotional interest-free period. Outside the Province of Quebec: interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

6 Months Same As Cash
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable) is required to be paid at time of purchase. Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Province of Quebec only: interest will be waived if the following conditions are met: (1) the applicable minimum monthly payments, as required, are made each month by the due date, and (2) the full balance is paid by the end of the promotional interest-free period. Outside the Province of Quebec: interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 6 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable), is required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

8 Months Same As Cash
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable) is required to be paid at time of purchase. Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Province of Quebec only: interest will be waived if the following conditions are met: (1) the applicable minimum monthly payments, as required, are made each month by the due date, and (2) the full balance is paid by the end of the promotional interest-free period. Outside the Province of Quebec: interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 10 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST is required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 12 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable), is required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 15 months 
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable), is required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 16 months 
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable), is required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

12 Equal Monthly Payments with No Interest
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. A monthly installment will be charged to your account each month throughout the promotional interest-free period and payment in full for this installment must be made prior to or on each monthly due date. If payment is not made by the due date, interest becomes payable and is calculated at a rate of 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. Available at participating stores only.

Home Credit Card Disclosures (all Provinces except Quebec)

Everyday Revolving

Subject to credit approval. Interest is calculated at 28.8% per annum on the average daily balance in accordance with the terms of the Cardholder Agreement. Interest charges are waived during the Grace Period of an Account Statement for new Purchases made under the Regular Credit Plan if the balance is paid in full on or before the Payment Due Date. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

3 Months Same As Cash
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable) is required to be paid at time of purchase. Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Province of Quebec only: interest will be waived if the following conditions are met: (1) the applicable minimum monthly payments, as required, are made each month by the due date, and (2) the full balance is paid by the end of the promotional interest-free period. Outside the Province of Quebec: interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

6 Months Same As Cash
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. Any GST, PST or HST (if applicable) is required to be paid at time of purchase. Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Province of Quebec only: interest will be waived if the following conditions are met: (1) the applicable minimum monthly payments, as required, are made each month by the due date, and (2) the full balance is paid by the end of the promotional interest-free period. Outside the Province of Quebec: interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. Available at participating stores only.

No Interest, No Payment, for 6 months 
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $39.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $49.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. The administration fee will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $39.99 administration fee creates an APR of 8.0% during the promotional interest-free period (a total cost of $1,039.99). On a purchase of $2,000, the $49.99 administration fee creates an APR of 5.0% during the promotional interest-free period (a total cost of $2,049.99). Available at participating stores only.

8 Months Same As Cash 
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $59.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $99.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase Interest accrues at a rate of 28.8% per annum from the date of purchase on the average daily balance. Interest will be waived if payment of the full balance is paid by the end of the promotional interest-free period. If the average daily balance is $250 / $500 / $750 / $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / $24.00 respectively. See Cardholder Agreement for full details. The administration fee when will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $59.99 administration fee creates an APR of 9.0% during the promotional interest-free period (a total cost of $1,059.99). On a purchase of $2,000, the $99.99 administration fee creates an APR of 7.5% during the promotional interest-free period (a total cost of $2,099.99). Available at participating stores only.

No Interest, No Payment, for 10 months 
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $59.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $99.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1,000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. The administration fee will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $59.99 administration fee creates an APR of 7.2% (a total cost of $1,059.99). On a purchase of $2,000, the $99.99 administration fee creates an APR of 6.0% (a total cost of $2,099.99). Available at participating stores only.

No Interest, No Payment, for 12 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $59.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $99.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. The administration fee will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $59.99 administration fee creates an APR of 6.0% (a total cost of $1,059.99). On a purchase of $2,000, the $99.99 administration fee creates an APR of 5.0% (a total cost of $2,099.99). Available at participating stores only.

No Interest, No Payment, for 15 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $89.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $129.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. The administration fee will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $89.99 administration fee creates an APR of 7.2% (a total cost of $1,089.99). On a purchase of $2,000, the $129.99 administration fee creates an APR of 5.2% (a total cost of $2,129.99). Available at participating stores only.

No Interest, No Payment, for 16 months
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $89.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $129.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. The purchase transaction is interest-free during the promotional period. Any unpaid balance outstanding at the end of the promotional interest-free period will incur interest at 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. If the balance is $250 / $500 / $750 / or $1000, credit charges for 30 days will be $6.00 / $12.00 / $18.00 / or $24.00 respectively. See Cardholder Agreement for full details. The administration fee will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $89.99 administration fee creates an APR of 6.8% (a total cost of $1,089.99). On a purchase of $2,000, the $129.99 administration fee creates an APR of 4.9% (a total cost of $2,129.99). Available at participating stores only.

12 Equal Monthly Payments with No Interest
Subject to credit approval. Minimum purchase of $250 (including taxes) made on a Home Credit Card is required for this financing offer. For purchases under $1500 (including taxes) an administration fee of $59.99 will apply. For purchases of $1500 or more (including taxes) an administration fee of $99.99 will apply. Any GST, PST or HST (if applicable), and administration fee are required to be paid at time of purchase. A monthly installment will be charged to your account each month throughout the promotional interest-free period and payment in full for this installment must be made prior to or on each monthly due date. If payment is not made by the due date, interest becomes payable and is calculated at a rate of 28.8% per annum on the average daily balance from that point forward in accordance with the terms of the Cardholder Agreement. The administration fee when will affect the annual percentage rate (APR). For example, on a purchase of $1,000, the $59.99 administration fee creates an APR of 13.6% (a total cost of $1,059.99). On a purchase of $2,000, the $99.99 administration fee creates an APR of 11.1% (a total cost of $2,099.99). Available at participating stores only.

Home Credit Card

Home Credit Card Do Not Pay for 6 Months

With over 1,000 Home locations coast to coast, you can use your Home Credit Card and take advantage of the affordable financing options.

Everyday Financing - Residents Outside Quebec

Home Credit Card offers Do Not Pay for 6 Months, No Interest, No Fees on purchases of $250 or more... everyday! Quebec Residents: No Interest with Payments for 6 Months Home Credit Card offers No Interest and No Fees for 6 months with minimum monthly payments on purchases of $250 or more... everyday!

Affordable Financing Plans designed to suit any budget; choose either:
A) No Interest Plans
B) Equal Payment Plans
C) Revolving with low monthly payments

Other Great Benefits:

  • No annual fees
  • Up to 59 day 'interest free'
  • Exclusive access to advance notice of promotions and sales
  • Free quarterly subscription to the Home at Home Magazine
  • Payments can be made in store, on-line (see your financial institution) or by mail

How Do IApply For A Home Credit Card?
Simply go into your nearest Home store and apply.