Real Time Credit Checks at Co-op Cardlocks

Effective June 22, 2026 for Mid Island Co-op accounts

What’s Changing?

This year, CRS is introducing real-time credit checks at every Co-op Cardlock site in the CRS network. Local Co-op’s and FCL cardlock accounts will now undergo an instant credit-limit verification before a transaction starts and during fueling. Once your credit limit is reached, the pump will either refuse to start or stop dispensing fuel mid-transaction.

Why We’re Doing This

Co-op Cardlocks (system wide) operate 24/7 without on-site staff to verify credit. Introducing automatic checks helps prevent excessive credit exposure and reduces the risk of fraud by confirming available credit in real time.

What You’ll See at the Pump

When you hit or exceed your credit limit, the card reader will display: Credit Limit Reached
At that point, the transaction will not begin, or it will be interrupted if you’re already fueling.

How Your Credit Limit Works

There is one single credit limit for all Co-op purchases. Every charge—whether it’s at a cardlock site, bulk fuel, gas station, or any other Mid Island Co-op location—draws from the same account limit. Purchases in other departments affect the balance available for fueling.

Right now you should...

1. Review your current credit limit on your latest statement.
2. If your limit doesn’t cover two months of charges, complete the credit-increase application in full. (see application below)
3. Submit your application to our Credit Department as soon as possible to avoid restrictions:
• Email: credit@midisland.crs

• In person: Administrative office located at 106-2517 Bowen Rd, Nanaimo.

• Mail: Mid Island Co-op, Credit Department, 106-2517 Bowen Rd, Nanaimo, V9T 3L2

Important Reminders

• New limits will reflect realistic usage. They won’t be set high without justification.
• If you need guidance on your credit request or budget concerns, contact our Credit Manager Karlene at 250-729-8404 or e-mail credit@midisland.crs

• If you opt not to apply for an increase, your limit stays the same and you risk interruptions at the pump when it’s reached.
• Payments take up to three business days to post on your account. Today’s payment won’t immediately restore available credit.

If you have any questions or need assistance, please reach out to our Petroleum or Credit Departments.
• Commercial Petroleum Manager: Cam.Watson@midisland.crs | 250.739.3599
• Credit Manager: Karlene credit@midisland.crs | 250.729.8404

Thank you for acting promptly — it’s the best way to ensure you stay fueled up without interruption. We appreciate your business and look forward to serving you for years to come.