How do I activate a line of credit?

If you have a ScotiaLine® Personal Line of Credit access card:

  • Activate online: follow the steps on our online activation page.
  • Make an in-store purchase: insert your card and enter your PIN (check the sticker on your card for eligibility)

Note: Lines of credit opened in a branch don't need to be activated and can be used immediately.

If you have a Scotia RSP Catch-Up® Line of Credit account:

Once activated, you can use your card right away.

Last updated September 12, 2025