Dawson Co-op Cardlock Member Update
Starting in February 2026, Co-op Cardlock locations will begin using real-time credit checks. Transactions will be declined or stopped if a member’s credit limit is reached.
Why the change?
To reduce credit risks and protect members
To help prevent fraudulent activity, since Cardlock fuel is available 24/7
What this means for you:
Transactions will stop once your approved credit limit is reached
What you should do now:
We recommend reviewing your current credit limit to ensure it aligns with your expected usage.
If you anticipate higher fuel volumes or seasonal increases, please contact the Dawson Co-op Finance Department to request a credit review or application before February 13, 2026.
Questions?
Contact the Finance Department at 250-782-4858
Frequently Asked Questions
WHAT IS CHANGING WITH CO-OP CARDLOCK?
Beginning February 13, 2026, Dawson Co-op Cardlock locations will begin using real-time credit checks. This means transactions will be automatically monitored against your approved credit limit at the time of purchase.
WHY IS DAWSON CO-OP MAKING THIS CHANGE?
This change is being introduced to:
- Reduce credit risk
- Better protect members’ accounts
- Help prevent fraudulent activity, particularly since Cardlock fuel is available 24/7
It aligns with best practices across the industry while ensuring Dawson Co-op can continue to provide reliable service to our members
HOW WILL THIS AFFECT MY CARDLOCK ACCOUNT?
Once real-time credit checks are in place:
- Transactions may be declined or stopped if your approved credit limit is reached
- Fueling will resume once your account balance falls below the limit or your credit limit is adjusted
This applies to both individual members and corporate/fleet accounts.
WHAT HAPPENS IF MY TRANSACTION IS DECLINED?
If a transaction is declined, it typically means your account has reached its approved credit limit.
You will need to:
- Make a payment to reduce your outstanding balance or
- Contact Dawson Co-op Finance to discuss a credit review or possible increase
WHAT SHOULD I DO NOW TO PREPARE?
We recommend all Cardlock members:
- Review your current credit limit
- Consider whether it aligns with your typical or seasonal fuel usage
- Reach out early if you anticipate needing a higher limit
Planning ahead will help avoid any disruption to fueling.
CAN I REQUEST A HIGHER CREDIT LIMIT?
Yes. Members may request a credit review or submit an application for a higher limit.
Please contact the Dawson Co-op Finance Department well in advance of February 13, 2026 to allow time for review and processing.
ARE THERE FLEXIBLE OPTIONS AVAILABLE?
In some cases, soft limits may be available for Cardlock-only accounts, depending on account structure and history.
Our Finance team will be happy to review your situation and discuss available options.
DOES THIS CHANGE AFFECT ALL CARDLOCK LOCATIONS?
Yes. This change will apply to all Dawson Co-op Cardlock locations once implemented.
WHO SHOULD I CONTACT IF I HAVE QUESTIONS?
If you have questions about your account, credit limit, or next steps, please contact:
Dawson Co-op Finance Department
Phone: 250-782-4858
Email: m.henschel@dawsonco-op.com
We want to give members plenty of notice so you have time to review your account, make adjustments if needed, and feel confident heading into the transition.
Our goal is to make this change as smooth and predictable as possible for our members.