Rbc Co Applicant Form – Fill Out and Use This PDF

Setting up a business bank account is an important step in starting your small company. In this article, you will find out about the RBC Co Applicant Form and how to fill it out correctly.

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Rbc Co Applicant Form PDF Details

When you are applying for a mortgage, the Royal Bank of Canada (RBC) will require you to fill out a Co Applicant form. This form is used to provide information about the co applicant, and to verify their credit history and other personal information. The co applicant is someone who is not the primary borrower on the mortgage, but who is equally responsible for it. completing this form accurately and honestly is important, as it will help the RBC assess your eligibility for a mortgage. Here we provide a guide to completing the RBC Co Applicant Form.

You'll find it useful to understand the amount of time you'll need to prepare this rbc co applicant form and exactly how long this document is.

Question	Answer
Form Name	Rbc Co Applicant Form
Form Length	3 pages
Fillable?	No
Fillable fields	0
Avg. time to fill out	45 sec
Other names	rbc royal bankofcanada, rbc rewards catalogue 2019 canada, rbc co applicant request form, co applicant rbc

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Co-Applicant Request Form

RBC® Cash Back Mastercard‡, Visa‡ Classic Student,

RBC Rewards® Visa Gold, Visa Classic and RBC Rewards+® Visa

(subject to change)

03798 (05/2022)

	Annual	Purchases: 19.99%
	Interest	Cash advances: 22.99% (21.99% if you reside in Quebec)
	Rate	These interest rates are in effect on the date your credit card account is opened (whether or not your card
		is activated).
		Rates will increase to 24.99% on purchases and 27.99% (26.99% if you reside in Quebec) on cash
		advances if your minimum payment is not made by the payment due date and it is not paid by the date we
		prepare your next statement 2 or more times in any 12 month period. This will take effect on the first day of the
		next statement period following the missed payment that caused the rates to increase. Higher rates will remain
		in effect until you have paid your minimum payment by your new statement date for 6 consecutive months
		thereafter. Effective August 1, 2022, any missed minimum payment that results in an increase to interest
		rates or continuation of higher interest rates will be in effect until you have paid the minimum payment by your
		new statement date for 12 consecutive months thereafter.
	Interest-	You will benefit from an interest-free period of at least 21 days for (i) new purchases (except purchases
	Free	converted to installment plans) and fees if you pay your New Balance (which is the sum of all amounts due,
	Grace Period	including all installment plan principal payments + interest or monthly fees due that statement period,
		minus credits and payments) in full by the payment due date shown on your statement; and (ii) new
		purchases converted to installment plans if you pay your Total Account Balance (New Balance + installment
		plan payments not yet due) in full by the payment due date shown on your statement. There is no interest-
		free period for cash advances (cash withdrawals, balance transfers, certain bill payments and cash-like
		transactions). If interest is charged, it is charged from the transaction date. Installment plan interest is
		charged in accordance with the installment plan terms.
	Minimum	$10 plus interest and fees (excluding any installment plan interest or monthly fees), plus Total Monthly
	Payment	Plan Payments (which are made up of all installment plan principal payments + interest or monthly fees due
		that statement period).
		If you reside in Quebec and your credit card account was opened on or after August 1, 2019, the
		greater of (i) Total Monthly Plan Payments, plus 5% of your New Balance (excluding Total Monthly Plan
		Payments); or (ii) $10. If you reside in Quebec and your credit card account was opened before
		August 1, 2019, the greater of (i) Total Monthly Plan Payments, plus:
		• 3% of your New Balance (excluding Total Monthly Plan Payments) starting August 1, 2021
		• 3.5% of your New Balance (excluding Total Monthly Plan Payments) starting August 1, 2022
		• 4% of your New Balance (excluding Total Monthly Plan Payments) starting August 1, 2023
		• 4.5% of your New Balance (excluding Total Monthly Plan Payments) starting August 1, 2024
		• 5% of your New Balance (excluding Total Monthly Plan Payments) starting August 1, 2025;
		or (ii) $10.
		In all cases, any previously unpaid minimum payments are included in your minimum payment. Your minimum
		payment is your New Balance if your New Balance (i) consists only of Total Monthly Plan Payments; or (ii) is less
		than $10.
	Foreign	Transactions in a foreign currency are converted to Canadian dollars no later than the date we post the
	Currency	transaction to your credit card account at an exchange rate that is 2.5% over a benchmark rate Royal Bank of
	Currency	Canada pays on the date of conversion.
	Conversion	Canada pays on the date of conversion.
	Conversion
	Annual Fee	No annual fee.
	Other Fees	Cash Advance Fee: $5 for cash withdrawals, cash-like transactions, bill payments or balance transfers
		made at an introductory interest rate offered at account opening or at your standard interest rate.
		Balance Transfer Promotional Rate Fee: Up to 3% of the transaction amount when you take advantage of
		a promotional interest rate offered to you after account opening by making a balance transfer during the
		promotional period. Exact fee will be disclosed at the time of the offer. Cash Advance and Balance Transfer
		Promotional Rate fees are charged within 3 business days of the transaction being posted to your account.
		Overlimit: $29 if your balance exceeds your credit limit at any time during your monthly statement period.
		Charged once per statement period on the day your balance first exceeds your credit limit, and on the first
		day of each subsequent statement period if your balance remains overlimit. If you reside in Quebec, this
		fee does not apply.
		Additional Copies: $5 for each monthly statement, $1.50 for each statement update at an ATM or branch,
		$2 for each transaction receipt that does not relate to the current statement. Charged within 3 business
		days of each request.
		Dishonoured Payment: $45 charged on the date a payment reversal is posted for a payment returned to
		your credit card.
		Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of the total purchase amount
		converted to an installment plan, charged within 3 business days of conversion; or (ii) monthly fee of up
		to 1.15% of the total purchase amount converted to an installment plan, charged on the last day of each
		statement period, so long as any portion of the purchase amount remains in the installment plan (fees for
		the first and second month are charged on your second statement). Exact fee will be disclosed at the time
		of the offer. If you reside in Quebec, this fee does not apply.
		(05/2022)
		Page 1 of 3 (05/2022)

Co-Applicant Request Form

RBC® Cash Back Mastercard‡, Visa‡ Classic Student,

RBC Rewards® Visa Gold, Visa Classic and RBC Rewards+® Visa

(subject to change)

03798 (05/2022)

PRIMARY CARDHOLDER INFORMATION

PRIMARY CARDHOLDER NAME

CREDIT CARD NUMBER (REQUIRED)

FIRST NAME/INITIAL

LAST NAME

4 5 1 9

CLIENT CARD NUMBER (IF APPLICABLE)

CO-APPLICANT INFORMATION

We are required to give you regulatory disclosure documents (for example, your initial disclosure statement or your monthly statements) including a copy of the RBC Royal Bank® Credit Card Agreement. We will send each of you your own separate copy of these documents unless both of you consent to receiving joint disclosure. Joint disclosure means these documents will be sent to one address.

We each want to receive separate disclosure documents at the address for each borrower that appears in your records.

We want to receive joint disclosure documents at the address for the Primary Cardholder. We do not want to receive separate disclosure documents for each borrower.

MR.

MS.

DR.

MRS.

MISS

FIRST NAME

INITIAL

LAST NAME

HOME ADDRESS / APT. NO. / STREET NUMBER (if different from primary cardholder) (valid civic address required – P.O. Box, Rural Route, or General Delivery are not acceptable) CITY / TOWN

PROVINCE / TERRITORY

POSTAL CODE

TELEPHONE NUMBER (IF DIFFERENT FROM PRIMARY CARDHOLDER)

SOCIAL INSURANCE NUMBER∞ (OPTIONAL)

OCCUPATION (REQUIRED)

RBC ROYAL BANK CLIENT CARD NUMBER (IF APPLICABLE)

DATE OF BIRTH (REQUIRED)

RELATIONSHIP TO PRIMARY CARDHOLDER

IMPORTANT – PRIMARY CARDHOLDER AND CO-APPLICANT – PLEASE READ THESE TERMS, WHICH ARE PART OF THIS REQUEST FORM

RBC aims to ensure our products and services are right for our clients; however we are not always able to do so when our clients use our self-serve channels, including mail-in/drop off applications without an Advisor discussion. If you need help making a choice, or have any questions about this request form, please contact us at 1-800-769-2512.

The Primary Cardholder on the RBC Royal Bank® credit card account (the Account) requests that we (Royal Bank of Canada) issue a credit card of the same type as currently issued on the Account to the Co-Applicant who signs this form. You (the Primary Cardholder and the Co-Applicant) agree to everything written in this Request Form, request that we reissue and replace the credit cards periodically, and consent to the Co-Applicant being provided with the requested credit card. You further agree as follows:

¡All the information that you have supplied in this Request Form is true and complete.

¡If you have chosen joint disclosure above, then both of you acknowledge that we may consider the Primary Cardholder as having the authority and being your personal representative to receive the RBC Royal Bank Credit Card Agreement (Agreement) on the Co-Applicant’s behalf. It is the responsibility of the Primary Cardholder to provide a copy of the Agreement to the Co-Applicant. You may also view the Agreement online at any time at rbc.com/carddocs.

¡If the Co-Applicant signs, uses or activates the credit card, it will mean that the Co-Applicant has received a copy of the Agreement, and has read, understood and agrees to the terms of the Agreement.

¡The Co-Applicant will not use the credit card until the Co-Applicant has received a copy of the Agreement, and will comply with the Agreement that we will send when the credit card is issued, reissued, or replaced, as well as any amendments that we may make from time to time.

¡The Co-Applicant will have access to the information about all transactions by any cardholder and other Account information.

¡You are each fully responsible for all amounts owing under the Account, irrespective of which one of you incurred, or which credit card was used to incur any particular charge. This also means that the Co-Applicant is fully responsible for any amounts that the Primary Cardholder may owe on the Account at the time the Co-Applicant’s credit card is issued.

Your Account must be in good standing at the time the request is received, and the Co-Applicant must be a resident of Canada and have reached the age of majority in their province/territory of residence. There is a maximum of one Co-Applicant per Account.

You understand that this request is subject to credit approval and that we may refuse to issue a credit card to the Co-Applicant if the Co-Applicant does not qualify. In this case, the Primary Cardholder has the opportunity to add the additional cardholder as an Authorized User instead. By checking the box below, both of you agree as follows:

Yes, please add the additional cardholder as an Authorized User if the Co-Applicant does not qualify. By signing below, you agree with all of the terms set out above, except as follows: (i) the Primary Cardholder is solely responsible for all amounts owing under the Account, including all charges incurred by an Authorized User; (ii) the Primary Cardholder acknowledges that he or she is responsible for all use of the Account by an Authorized User; (iii) the Primary Cardholder understands that we may provide an Authorized User with access to information about the Authorized User’s transactions, the credit limit on the Account, and the amount of credit available to them on the Account; (iv) the Primary Cardholder will ensure that the Authorized User receives a copy of the Agreement, any replacements or amendments, as well as any notices we send regarding the use of a credit card and the Account number, and will be responsible for ensuring the Authorized User complies with the applicable terms and conditions; and (v) the Authorized User agrees to comply with the applicable terms and conditions of the Agreement (except that he or she will not be responsible to us for the repayment of the amounts owing under the Account and will not be bound by the provisions in the Agreement relating to repayment of such amounts).

X	X
Primary Cardholder Signature (REQUIRED)	Co-Applicant Signature (REQUIRED)	Date

SEND THE FORM TO US FOR PROCESSING BY MAIL: RBC ROYAL BANK C/O ADMINISTRATION DEPARTMENT, P.O. BOX 8400, STN TERMINAL, VANCOUVER, BC V6B 9Z9

(05/2022)

Page 2 of 3 (05/2022)

Important! Please read these terms, which are part of this request form.

RESPECTING YOUR PRIVACY IS IMPORTANT TO US

Periodically we provide you with information about products and services we feel would interest you. However, if you prefer not to receive such information, please let us know by calling 1-800 ROYAL® 1-1 (1-800-769-2511). Please allow approximately three to four weeks for approval and delivery of the new RBC Royal Bank credit card.

COLLECTING YOUR PERSONAL INFORMATION

We collect financial and other information about you from time to time such as:

•information establishing your identity (for example: name, address, phone number, date of birth, etc.) and your personal background;

•information about your transactions or other dealings with and through us;

•information you provide in an application for any of our products and services;

•information about your use of our products and services; and

•information about financial behaviour such as your payment history and credit worthiness.

We collect and confirm this information during the course of our relationship. We obtain this information from a variety of sources, including from you; from your use of our products and services; from service arrangements you make with or through us; from credit reporting agencies, other financial or lending institutions, or insurers; from registries; from fraud detection and prevention agencies, service providers, or regulatory or governmental bodies; from references you provide to us; and from other sources, as is necessary for the provision of our products and services.

You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies.

USING YOUR PERSONAL INFORMATION

This information may be used from time to time for the following purposes:

•to verify your identity and investigate your personal background;

•to open and operate your account(s) and provide you with products and services you may request;

•to maintain up to date records;

•to manage our risks and operations, and detect and prevent fraud or suppress financial abuse;

•to better understand your financial situation;

•to determine your eligibility for products, services, programs and promotions;

•to manage and administer loyalty programs and promotions;

•to help us better understand the current and future needs of our clients;

•to communicate to you any benefit, feature and other information about products and services you have with us;

•to facilitate the operation of payment networks including to process transactions and resolve disputes;

•to help us better manage our business and your relationship with us;

•to create aggregated and anonymous information, statistics, and reports and to generate data insights, analysis, and predictive models; and

•as required or permitted by law.

We may also use this information as described in “Other Uses and Disclosures of Your Personal Information” below.

DISCLOSING YOUR PERSONAL INFORMATION

We make this information available to our employees, agents and service providers, who require access for the purposes described above. Our employees, agents and service providers are required to maintain the confidentiality of this information.

In the event our service provider is located outside Canada, the service provider is bound by, and this information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located.

We may share this information with other organizations (such as other financial or lending institutions, or insurance companies), fraud detection and prevention agencies, service providers, or regulatory or governmental bodies to prevent, detect or suppress financial abuse, fraud or other criminal activity, protect our assets and interests, defend or settle claims, manage risks and resolve disputes.

We share this information with the operators and participants of payment networks to process payments and other transactions, manage risks, detect and prevent fraud, maintain up to date records, resolve disputes and administer loyalty programs, promotional activities or other activities related to your Credit Card or Account.

We share your credit, financial and other related information with credit reporting agencies for the purpose of maintaining the accuracy and integrity of the credit reporting system. Credit reporting agencies may share this information with others.

We share this information with your consent or where required in order to facilitate the provision or administration of a product or service that you have requested.

We collect and share this information with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under “Other Uses and Disclosures of Your Personal Information” below for the purpose of knowing and honouring your choices.

We share this information where permitted or required by law, such as to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, or to collect a debt owed to us. We may share this information in connection with the sale of all or part of our business or assets.

If we have your social insurance number, we may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you.

OTHER USES AND DISCLOSURES OF YOUR PERSONAL INFORMATION

•We may use and disclose this information to promote our products and services, and promote products and services of RBC companies or third parties we select, which may be of interest to you. We may communicate with you through various channels using the contact information you have provided.

•We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you. We and RBC companies may communicate with you through various channels using the contact information you have provided. You acknowledge that as a result of such sharing they may advise us of those products or services provided.

•If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information with information they have about you to allow us and any of them to manage your relationship with RBC companies and our business.

You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our affiliates which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services.

You may choose not to have this information shared or used for these other purposes described above under “Other Uses and Disclosures of Your Personal Information” by contacting us as set out below. In this event: (i) you will not be refused credit or other services just for making this choice; (ii) we will respect your choices; and (iii) we will share your information with RBC companies for the purpose of knowing and honouring your choices.

CO-BRANDED CREDIT CARDS

If you are applying for a co-branded credit card and your application is approved, you acknowledge and consent to the following additional uses and disclosure of information about you. Information you give us in your application will be shared with the co-brand partner for enrolment in that co-brand partner’s rewards/loyalty program and used to open an appropriate rewards/loyalty account with that co-brand partner in your name, if you do not already have one. We may transmit to that co-brand partner any updates we receive of any of that information. From time to time, we and the co-brand partner may also exchange information about you (which may include your name, email address, mailing address, date of birth and credit card account number) in order to provide you with the benefits, services, or partner rewards (such as points, miles or reward dollars) that you earn with your co-branded credit card and to provide you with information about those benefits, services or partner rewards.

YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION

You may obtain access to your personal information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to your personal information, to ask questions about our privacy policies, or to request that your personal information not be used for any or all of the purposes outlined in “Other Uses or Disclosures of Your Personal Information”, or to ask that your social insurance number not be shared with a credit reporting agency as an identifier, you may do so now or at any time in the future by:

•contacting your branch; or

•calling us toll-free at 1-800 ROYAL® 1-1 (1-800-769-2511).

OUR PRIVACY POLICIES

You may obtain more information about our privacy policies by asking for a copy of our “Financial fraud prevention and privacy protection” brochure, by calling us at the toll free number shown above or by visiting our website at www.rbc.com/ privacysecurity.

While we make a considerable effort to avoid any discrepancies between our marketing materials and the RBC Royal Bank Credit Card Agreement you will receive with your card, in the event there is a discrepancy, the Credit Card Agreement will prevail.

®/ ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ All other trademarks are the property of their respective owner(s).

∞ Optional but recommended. By including this information we will be able to process your request form more quickly and accurately. See above for our use of your Social Insurance Number.

Page 3 of 3 (05/2022)

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portion of fields in rbc rewards catalogue 2019 canada

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