Take  a cash advance with Scotia Select Pay^TM 

This is an online transaction; you can see it reflected on your credit card within 5 minutes of processing it.

Regular monthly payments are part of your monthly minimum payment. If you are arranging a full payout, you must call the Contact Center*.

Yes, the available amount will increase as you pay each month. The monthly payment you pay is composed of principal plus interest, the available amount will increase corresponding to the principal amount of each installment paid.

No, once you agree to convert your cash advance to installments via SelectPay, the one-time fee is non-refundable.

Yes, you may cancel your SelectPay™ Plan by calling the Call Center at any time after it has been posted to your credit card account. Please allow 2 to 3 business days for processing of any cancellation request.

Scotiabank may cancel your SelectPay™ Plan if:

1. Your credit card account is no longer in Good Standing.
2. You pay your Total Balance owing on the plan in full.
3. Your credit card account is closed for any reason.

No, there are no early cancellation penalties. You can cancel your SelectPay (installment) at any time by paying the full outstanding amount on your SelectPay plan. Please call the Contact Center* for facilitating and to confirm the outstanding payout amount.

Perhaps you have not made a full payment and could be delinquent. If you are delinquent, we will contact you requiring you to pay/make arrangements for the amount owing within the stated time (at least 30 days). If you do not bring your credit card account up to date and current within the time allowed, then we may:

1. Decide, without further notice, that the entire outstanding balance of your SelectPay Plan is payable immediately.
2. Take legal action to recover the amounts you owe.
3. Exercise our legal rights to utilize any money you have available in the revolving amount with your credit card account to pay the SelectPayTM plan outstanding amount.
4. We may debit your deposit account OR credit card account for any expenses we incur in recovering the debt, and they will be payable from the debit date.