Open to Canadian residents who have reached the age of majority in their province/territory of residence, excluding Quebec, who either apply for a consumer Visa Infinite credit card at a participating credit union they are a member of, from January 28 to March 1, 2019, or choose the non purchase mode of entry. No purchase necessary. For full contest rules and information on non-purchase modes of entry, see www.visavacationsofalifetime.ca. Three (3) potential grand prizes are available, each a trip valued at CAD$20,000. Odds of winning grand prize are 3 in 35,000 based on the amount of Pin Codes available to be distributed during the contest period. In the event the Pin Code associated with a grand prize is not distributed or submitted, one or more of the grand prizes may not be awarded. There are also 330 secondary prizes (Visa gift cards), each valued at $100 CAD. All grand prize entrants will be entered to win a secondary prize, and odds of winning depend on number of eligible entries received per credit union branch. Selected entrants must meet all eligibility criteria, correctly answer a mathematical skill testing question, and sign a declaration and releases form to claim prizes. Limit of one (1) prize per person.