Are you one of the 2 million people who hold a Hudson's Bay credit card? You probably got it because it has great perks, like receiving Hudson's Bay reward points to entice you to shop even harder at all those Bay Days at the Hudson's Bay Company (HBC) and more.
But there's a lot more to know about this Capital One Mastercard than meets the eye. If you have never looked deeper into the intricacies of this credit card before, then we have got you covered.
We will first speak about the Capital One Mastercard and then about the transition towards the Neo Financial credit card as Capital One moves its operations out of Canada. Let's get started.
Hudson's Bay Credit Card Login
If you already hold a Capital One credit card from Hudson's Bay, you might be wondering how to log in to your credit card account to check in on the details of your spending and reward points.
You must log in to your credit card account (all of them) at least once a month to make sure there are no unscrupulous charges on there. If you notice something that doesn't seem right, contact Hudson's Bay credit card customer service (details below) and dispute those false charges asap.
The faster you can get those charges removed from your account, the easier it will be on your credit history. You don't want to end up paying for someone else's shoes and bag purchases!
Before Capital One moved all its operations out of Canada (even Costco was looking for a new partner), you would have been able to log into your Hudson's Bay credit card on the Capital one site. But that website only has contact details on it (see more below) as everything has been moved over to Neo Financial.
Hudson's Bay Credit Card Customer Service
The great thing about having a Mastercard from Hudson's Bay Company was that you got access to their awesome customer service team. They are open 7 days a week from 7 am EST to 2 am EST. The phone number is 1-800-521-2364.
What kind of questions can you inquire about when you contact HBC's customer service? Here are some examples:
- How many reward points have I accumulated till now?
- How can I redeem my reward points to purchase more goodies at HBC?
- How many points do I need for each item I wish to purchase?
- Can I redeem points online as well as at the store?
- What happens to my Hudson's Bay credit card as it transitions over to Neo Financial? (more on this below)
- And more
As you can see, there are a lot of things their customer service can help you with. Even if you think that they are not the right person to contact about a certain HBC-related item, no fear. As nice as Canadians can be, they are also quite smart. The customer service representative will be able to direct you to the right person in no time at all.
Hudson's Bay Credit Card Contact
If you wish to contact someone at Capital One about the Hudson's Bay credit card, then consider the link here. It's exclusively for HBC members, and allows you to either mail Capital One (they have provided a mailing address) or contact them via phone.
- Hudson’s Bay Credit Services
- P.O. Box 903, Stn. Agincourt
- Scarborough, ON M1S 5M4
Hudson’s Bay Mastercard Customers
- Toll-free within Canada and the U.S.1-866-640-7858
- Outside of Canada or the U.S., call us collect: 1-513-770-3782
Hudson’s Bay Credit Card Customers
- Toll-free within Canada and the U.S.1-800-263-2599
- Teletypewriter (TTY) Services. 1-800-219-1009
Hudson's Bay Credit Card Balance
Do you have a balance on your Hudson's Bay credit card? Again, the best way to deal with this would be to go online to your credit card account and see what your balance is. Or call customer service to inquire about your balance.
Remember that you will be paying a high-interest rate of 19.99% - 24.99% on any balance you carry, and it's a good idea always to pay off any balances as soon as possible. You should even consider taking a second job to pay down your credit card balance if you are feeling overwhelmed by all your monthly payments.
Even though it's a great idea to use your Hudson's Bay credit card a lot to accumulate all those reward points, it's never a good idea to spend beyond your means and to have a balance on your card that could come and bite you in the behind later.
If you are having a hard time paying off the balance on your Hudson's Bay credit card, consider contacting the customer service team at HBC and asking them for some payment options. If you explain your circumstances, they would be more than willing to offer some alternative solutions to you. Remember, you will never know if you don't ask.
Hudson's Bay Credit Card Phone Number
All the phone numbers related to the Hudson's Bay credit card have been listed above. Don't hesitate to contact the customer service team at Hudson's Bay or Capital One with any questions you might have.
This is especially true right now as Hudson's Bay is in transition mode moving the Mastercard over to Neo Financial. Let's look at this new credit card in detail below.
HBC Mastercard Powered by Neo Financial Vs Capital One
This new credit card being offered by Hudson's Bay in partnership with Neo Financial has very similar benefits to the Mastercard from Capital One. There are some differences, which we will outline below.
- Still no annual fee (hurray!)
- Up to 4 points per $1 at Hudson’s Bay
- 2 points per $1 everywhere
- Earn even more through member-only exclusive offers, events, and specials throughout the year
- Get 15% off your first-day purchase at Hudson’s Bay
Remember that your Hudson’s Bay Rewards points can be redeemed instantly at Hudson’s Bay stores and thebay.com.
Additional Perks Only with Neo Financial Mastercard:
Here are some perks that you can garner only with the new Neo Financial Mastercard.
- No over-limit fees
- A 25% bonus twice annually on points earned outside of Hudson’s Bay
- All-digital experience with the ability to apply and manage the new Mastercard from Neo's customizable app
- Proactive alerts
- Ability to freeze or replace your card with a few taps on the app
- Contactless payments by adding the credit card to Apple Pay or Google Pay
- Get $0 shipping at thebay.com on orders $45+ (or $29+ on beauty orders)
The best part about the new Neo Financial HBC credit card is the ability to rack up cashback when shopping at select retailers partnered directly with Neo Financial. Who are these partners, you ask?
- Clearly (online eyewear store)
- Guardian pharmacies
- And more
The hope is that the more popular the Neo Mastercard becomes, the more retailers will be added into the mix, which will be good news for all HBC credit card holders.
Also, remember that any points you have accumulated using the HBC Capital One Mastercard will not be lost as they are tied to your HBC membership and not to the card itself. Phew!
Current holders of the Capital One Mastercard were able to use the card until May 3rd, 2021. Hopefully, you've done something with your credit card by now. If not, contact Neo Financial asap and get your new card mailed out to you.
Note: Your new Neo Financial card will not be mailed automatically to you! You will have to apply for it and reserve it by going to their website (listed above). This will not have any impact on your credit score, thankfully.
Who Is Neo Financial?
If you are wondering who is Neo financial, they are a new financial tech company out of Calgary. The same person who founded the food delivery service 'Skip the Dishes' is responsible for this new startup as well (co-founder and CEO of Neo Financial is Andrew Chau). It's a neobank, which means that it has no brick-and-mortar operations, and is exclusively run online (digital banking).
Worried about a new startup coming up and being bankrupt in a few years? Do not fear. Even though Neo Financial is a newbie in the field, it is supported and backed by ATB Financial, which is an Alberta-based financial institution and Crown corporation founded in 1939. ATB Financial has nearly 800,000 clients and $54 billion in assets.
The great thing about using a Neo Financial credit card is because they don't have any brick-and-mortar operation costs, they can provide higher rewards with lower fees. This is a major advantage for you as a cardholder, as you won't have to worry about being gauged on fees hither and thither.
What Happens to My Hudson’s Bay Mastercard from Capital One?
Your Mastercard from Capital One is transferrable, points and all to the new Neo Financial credit card. But they don't make it automatic for you.
You do have to go online to their website and apply. It shouldn't take too much of your time, and you should be able to get your new card delivered to your mailing address pretty quickly.
Neo Financial said that they would start mailing out new cards in the spring of 2021. That means most Canadians with the HBC Capital One Mastercard should already have applied for and received their new credit cards.
If you haven't done so yet, do not fear, there's still time for you to do that. And the process is painless enough. It's all online and with the customer service information delineated above, you are welcome to contact a customer service rep and have them run you through the process.
Neo Financial Login
You can log into your Neo Financial Mastercard by going to the link here. As Neo Financial is a digital-only bank, it means that all their operations are online, and you can't go to a brick-and-mortar retail operation to talk to a bank teller.
You can perform all your banking through their app, or online through a web browser.
If you wish to apply face-to-face with a person, you can go to any HBC store and talk to an associate as well. They will be happy to help you out.
It's easy to manage your new Mastercard using Neo's app. You can do anything you would do at a bank teller with their app, including putting your card on hold, freezing or replacing it, redeeming your reward points, getting proactive alerts or real-time notifications, and more.
The great thing about this is people of the younger, more digital-savvy generation are going to love this new development with HBC. In the past, Hudson's Bay Company has mostly appealed to the older folks, because of its old-fashioned, but stylish ways of doing things.
With this move towards digital banking and partnering with a neobank, HBC is declaring to the world that they are moving into the 21st century with a bang and they are looking to entice the younger generation to shop with them. They have also been adding a lot of new brands into their catalogue, which indicates they are making a move towards Millennials and Gen Xers.
Now You Are in the Know with the New Hudson’s Bay Mastercard
With all the information on the Hudson's Bay credit card (both the Capital One and the Neo Financial one) in one place, you are ready to tackle any questions you might have about it. There's no need to falter or hesitate any longer.
The essence of what HBC offers with its rewards credit card hasn't changed. If you are a big HBC shopper, then get your Neo Financial Mastercard and keep getting those Bay deals you love.
Also, if you wish to get some information on or comparison shop on mortgages, insurance, or credit cards, check out Insurdinary's website today to get a quote! You won't be disappointed.