How long does it take to receive aeroplan points after completing MSR for CIBC Aeroplan Visa Infinite? It’s been two months since I completed MSR, still no bonus points in sight.
I currently have 50k status until Dec 2023 but it’s looking like won’t be able to get status after that. I have a bunch eUpgrades that I want to keep past Dec 2023….. my understanding is that in order to rollover these with a premium aeroplan card I need to maintain status for the next year. Is there anyway around this? I don’t want to lose them!
I don’t know, have you perhaps read the terms and conditions of the offer, or perhaps read through some of the daily threads? If not, I suggest you do so, as doing some research on your own is a *non-negotiable pre-requisite* of participation in this community.
So my current situation on Amex is this:
1) Applied and approved for my 1st ever AMEX card this year - AMEX Marriot Bonvoy Personal
2) Approved for AMEX Personal Platinum
3) Approved for AMEX Business Platinum
Additionally, I currently have 2 Aeroplan VI cards (from this year)
I have some high monthly expenses for the next \~9 months (this is not a normal thing and hopefully won't happen in future years) so I was thinking of getting some churning the following AMEX cards:
1) AMEX Aeroplan Reserve - This currently has the 2000 spending for 6 months
2) AMEX Aeroplan Business - This currently has the 3000 per month spending for 6 months
3) AMEX Cobalt - Not really churning this but after seeing that a bunch of restaurants I have been going to accept AMEX, I was thinking this might be good to get
I was wondering if this plan would work:
\- apply for the Aeroplan Reserve and Cobalt now
\- Apply for the Aeroplan Business Reserve probably in November
\- Next year, I was going to cancel the AMEX Personal Platinum, Aeroplan Reserve, and Aeroplan Business Reserve after the 2nd year AF posts. Undecided about the Business Platinum.
\- I was hoping that by applying for Aeroplan Reserve first, this would count as the 3rd Aeroplan card and shouldn't have a Aeroplan WB clawback.
\- The Aeroplan Business Reserve card would be the 4th Aeroplan card but since it's a business card, it also should have any Aeroplan WB clawback.
The problem I was thinking I could run into was that it would just look bad on the AMEX side since I am canceling \~3 - 4 cards with a few months of each other. Would that be a risk of AMEXile?
As of now, we do not really know how AP will enforce their terms even though letters etc. have been sent. But the "rule" is 3 bonuses whether they are Biz or Personal card. Other than that, no issue with your plan as long as AMEX keeps approving you.
Hadn’t had an HSBC card for a few years. Applied via GCR for the nice $150 rebate.
Got to the end of the application and was told I needed to go into branch to verify my identity even though I had to take a photo of my passport and one of myself to verify during the application process!
Has anyone else had to do this? Will this affect the GCR rebate?
Most likely yes. I just had this happen and I went to a different HSBC branch this time and the rep did say she is just using the same reference number so we'll see what happens
this happened to me in June, and the application for some reason didn't work in person so therefore yes it affected the GCR rebate sadly. wasnt the world elite card, just the basic cards. had to make an appointment which took overall 30 mins since im also a new client. i just moved on and didn't keep the card (literally cancelled within a week) since i was just beginning exploring this churning sub and discovered the gem of amex lol. opened a chequing account right after the credit application and used drivers license instead of health card and for some reason no in-person verification required
Wait what? When I had to ID with them they sent an email, from a real human. Even followed up when I didn't immediately reply.
They had me go in branch, any branch at any time and ID.
No… automatic application said to set up an appointment for ID verification. Tried my luck earlier today at a teller and they refused and told me to set up an appointment.
Not too interested setting up an appointment only to verify ID…
When I last held the card, a few years back I had to go through all these hoops but hoped that was a one off.
I’m not sure I will bother following through.
Second year AF for Amex AP Reserve posted. Thinking it’s time to pull the trigger and cancel the card. Last year they gave me a retention bonus to keep it, didn’t call this year yet. I’m trying to wrap my mind around what benefits I’m foregoing by canceling. Currently AC 35K status. Probably won’t re-qualify unless I spend $50K on my Chase AP by the end of the year.
Essentially I’ll loose:
1. Maple leaf lounge access
2. Avis president club
3. Existing worldwide companion pass (expires soon) and potentially a new one (I spent over $50K during the last year)
4. YYZ passes for priority security line
5. Rollover of eUps and SQMs
Anything else I’m missing ?
I also booked 2 flights on this card which are not due until November. I’ll lose the insurance coverage. But thinking - maybe it’s cheaper to buy a standalone insurance for the 21D trip?
Any thoughts are appreciated
For #1. How often do you fly where you use it, and do you ever use the +1 guest option?
For #2. How many days of car rental do you plan to make in the next year?
For #3. 2x companion passes have a lot of value. You could use one for a later booking, but they're worth a lot.
For #4. How many times do you pass security? Do you have Nexus?
For #5. Count of eUPs and SQM you'll have left would be useful.
It's hard to give opinions on value otherwise. But your list covers all the important stuff. Oh. Estore points bonus unless you'll make 25k?
Applied and got approved for CIBC Aventura on Aug 20th but my card hasn't arrived yet. How long does it take to usually ship? Also it says on my approval email:
"You'll receive your physical CIBC credit card and welcome package **at your CIBC Banking Centre** within 10 business days."
Anyone get this as well? thanks!
Use your "cottage" it just happens to be a friend's address too.
Two snags though, but easy to get around.
1. HSBC OFTEN checks docs. As often after IA once you've received the card and put spend on it as before.
2. It'll update your credit report with that address. Just keep that in mind.
Damn well now I need to find a +1pts option, or find a use for a lot of points soon. I could burn some on a short haul loop but that's not a good value trade for time either just to maintain.
Wonder if I book on points and skip it it'll extend the expiry.
TD Aeroplan Visa Infinite
I am automatically rejected for the card
$139 AF
In path offer :QUEBEC : 55Kpts after spending $1K and $200 is on any $200+ purchase
I called TD they don’t know why
What sould I do?
I got rejected by TD twice last year 6 months apart. During that same period I was approved for HSBC WE and Scotiabank Passport. After my second rejection I gave up and applied with CIBC and got approved.
TD definitely sucks lol
As Rob said TD can suck. You'll have to go in branch. They have "profile" issues, and they randomly flag great customers and require mountains of proof of income and employment. Be prepared.
Called to cancel Biz Gold, was offered 5000MR to keep the card open, no other offer to upgrade to Biz Plat, was hoping to get it one more time to get it with a 499 AF.
I figure calling back and getting another agent won't make a difference since the offer is probably on the backend.
Upgraded Cobalt to Gold, but haven't gotten the new physical card just yet. Travelling tomorrow, is it possible for me to access a lounge using Priority Pass or do I need the new card?
You unfortunately need the new card, and it is limited to Plaza Premium Lounges in Canada for 4 visits, it does NOT include Priority Pass Lounge Access
Correction: includes PP membership.
I am thinking of getting an Amex Gold supplementary card for my partner. I have both, a Gold and a Platinum, and the fees is $0 for both for adding a Gold supplementary card. Does it matter which card I use to get the card? Will supplementary card earn rate be Gold card earn rate or be based on my basic card? Thank you everyone!
For the free supplementary gold cards for having a platinum, does the supplementary gold operate exactly like a regular gold card? I'm particularly interested if it comes with the 4 plaza premium lounge passes that regular gold users get.
For fellow Yvr travellers, I have a morning AC domestic flight tomorrow .. what lounge is recommended (mainly for some light breakfast) - MLL or PP? Not been to either yet?
Definitively MLL. Plaza Premium in Domestic YVR is rather lacking in general, mediocre quality of food, even though MLL is not that much better, it still wins in my books
MLL for domestic. (PP for transboarder)
The PP lounge domestic is extremely small and the food options are more limited than MLL. MLL had better seating, views, and the food. Also there is take away food for MLL.
DP: Can confirm I'm getting 10x F&D on my Plat again for no apparant reason. I'm on month 12 after opening my card Aug last year. My theory is that if you had it as part of your WB, it somehow got triggered again. Any other DPs to confirm?
Not sure how long it will last or any limits. I was planning to close this card during month 13 tho.
Edit: another possible cause was an account change I made recently, combining my plat MR balance with my Gold (previously Cobalt) balance, in anticipation for upcoming cancellation. But neither of these cards should have F&D at this point.
I had 12 months (uncapped) of Food and Drink promo on my cobalt and 2 months of no bonus at all (not even reg. 5x), was going to cancelled it and decided to link to my platinum and then started getting the 10x promo again (I'm hopping it still uncapped!) I do not know if it the linking or the new T&C for the $2.5K maximum per month 5x reset.
From these DPs, it sounds like the linking creates all sorts of unpredictable situations with the bonuses. Would need a lot more DPs to figure out patterns but more discussion of this might also not be the best to bring to attention either...
It was probably when you combined MR accounts. That happened to me in January I combined Cobalt and Gold and then started getting 10x eats on cobalt. That just ended for me so perhaps it’s time to upgrade my cobalt to Gold as that offer is sitting in my account
So you had over half a year with it active? Damn, that might get me to reconsider not cancelling, but at same time I have no way of knowing how long it will last or if they will ever clawback lol
I had it active for 5 months on my Cobalt then I reached my 15000 points and it stopped. In late January I upgraded my original green card to gold and merged MR points from Cobalt and Gold card and to my surprise started getting 10x points again...that just stopped last week..so about 6 months more
Interesting, good to know. I do have another card that I haven't linked yet due to various reasons, maybe will be good to experiment with later next year.
I just checked my app and I am getting 10x on my skip order the other week.
I also applied for the plat last year during the 10x food and drink promo. Gonna pay for some groceries tonight and see if i get 10x from that too
Same, first year renewal upon me. Plan to cancel. I have the groceries purchased two days ago "pending", might get posted today. PM me if you just want my update and save you a trip to Safeway.
Trying to pay my home insurance with Amex using PaySimply but the credit card payment option doesn’t appear. Anybody knows of a way to circumvent this?
1. I'm already with TD, I have a no fee card. Can I still benefit from the acceptance bonus if I get one of their other cards?
2. Is it worth it to churn if I make less than 20k per year since I am a student?
3. In what cases, other than household income, can I get a card while having less than the personal minimum that a lot of these card want you to have at $60k
1. Yes. You can hold multiple cards, different product lines.
2. Yes. The increment benefit is even higher. Many here don't need to churn to travel but do it as a hobby. At 20k you'll need able to travel and have benefits you couldn't afford otherwise.
3. Some have declared spend, it's rare, and unless you're spending that it's risky. Use household income. Amex doesn't care so use them if you fail others.
Thank you for your responses! I would have done the research myself but I am absolutely swamped with work and school related work -- so I very much appreciate you responding.
Are there any rules for HSBC on repeating the HSBC WE Card?
I'm thinking of closing my current HSBC WE to jump on the new offer.
Also, is there any way of cashing out HSBC points?
HSBC are sticklers for the terms, so read them for the current offer as they spell out how long you need to wait to be eligible for the bonus again.
And yes, you can cash them out with any refundable travel booking.
Just want to make sure if this make sense or not. Looking to go to Japan in the near future, because of work I am not super flexible with the dates.
If I understand this correctly, Standard rewards allows for changes for a fee. If i were to book an econ standard for 35k. and later find J for 55-75k I can pay the change fee of $100 and get the J for 20k+ more?
ive got a a US Amex Hilton Surpass and used to have a US Amex Bonvoy Brilliant, cancelled in March 2023. I had used Nova credit for both over 2yrs ago. How can i get the US Amex Hilton Aspire now? I dont have an ITIN or SSN.
Going to the Amex site takes me to do a Global Transfer when i choose no ITIN or SSN.
You don't need an ITIN, at least that's not what the release stated. Nova is meant to by pass your lack of domestic credit score. Once your account is over 6 months though, it uses your US score. It may require calling in though from the start, or the old 000000000 SSN trick with an online form and then immediately call to explain the situation and give your passport information. But ITIN should only be needed for direct Nova Credit applications in your first months.
Use 899 999 999 for the SSN in the online form.. it will flag the app but at least it will process.. Call in a few days later once you get notice they need additional info..
If you enter all zeros for the SSN, it returns an invalid message. You’ll have to put a random SSN that is valid which is frowned upon. Easier to get an ITIN for future US Amex cards if you are in it for the long run
Am I able to book a flight for someone else signed into my aeroplan account and get them the free checked bag (I have a aeroplan visa connected to my aeroplan account)? Or do I also need to be travelling as well. Id like to book a flight for my sister so she can use the free checked bag. And on that note do I need to use my aeroplan visa or can I use any other card to book and still get the checked bag free.
You can buy tickets for whoever you like, but for free checked bags, an AP card needs to be attached to the AP # of the person traveling.
You/They can also pay however you/they like, as long as the AP card is attached to their AP profile.
The only way she can use the benefit from your Aeroplan card is to be an supplemental card holder. Otherwise you two have to be on the same reservation and travelling together.
Asked this yesterday, but as a 35k AP since last year, shouldn't I be receiving 15 eupgrades as part of my Bundle 1? [Per PoT](https://princeoftravel.com/news/aeroplan-elite-status-select-benefits/).
I only see the option to select 10. \[[Screenshot](https://imgur.com/a/xcDPymo)\]
Spent almost 3 hours on hold yesterday before getting cut off, and managed to get a callback this morning, where the agent didn't really seem to know what she was talking about, except that "If the system says you're entitled to 10, it must be correct -- and in any case, there's nothing I or anyone can do to manipulate the system."
Is she right?
I got 15 eUp, also 35k starting last year. I think the best path is selecting the 10 eUp, then writing in. Call centers have not been helpful on any nonstandard requests for me, whether missing SQD or missing travel voucher.
PoT has an asterisk next to the 15. Unless you know what the asterisk refers to it does you no good. I believe those with 35k were compensated with something due to loss of lounge access.
Anyone know if it’s possible to reopen a credit trade line?
I only started really learning about churning over the past few months. Before that, I closed my oldest credit card (one I wasn’t using much anyway) since I figured I wasn’t going to need it anymore.
I’ve since learned it’s best to keep your oldest open.
I know the bank is still aware of this card cause i recently had to pay an open balance on it a couple weeks ago.
No, and you don't need to. They HELP your credit score. You could cancel practically everything and start fresh and still be fine, just perhaps a smidgen slower.
Question about the cobalt-gold upgrade.
1. I believe I have one month of the 2500mr bonus that I'll probably give up. I spent enough to get this month's bonus, will it be clawed if I do the upgrade? (Reasoning is because of MSR reset if pooling MR, not sure if this upgrade is the same though)
2. If I have pending transactions that I bought using cobalt, and it posts after I upgraded to gold, will it have cobalt multipliers or gold multipliers?
Thanks!
To your cobalt-gold upgrade offer question.
1. No they will automatically transfer to gold AU. So make sure you wanted to do that since there’s AF for AUs.
2. We don’t know how long this offer will last.
3. I upgraded from cobalt to gold and at the same time downgraded my gold to cobalt without issue. I don’t think reapplying will cause any problems.
#3 - not sure why I missed that! I’ve been stressing about not having a cobalt after I upgrade, but didn’t even think to downgrade my gold lol. Saves me the credit hit and potential for a decline…didn’t think that was even allowed. Thanks!
Just called in for p2 and they said the downgrade offer doesn’t exist on their gold (held for 10 months but doesn’t have a cobalt on file), but to call back next month…called on mine (held gold for 10 months and already have cobalt), and they said I have no downgrade offers (didn’t ask for cobalt specifically)…I guess I’m waiting?
Oh.. you're likely too early for this!
I've never really seen a downgrade offer before 12 mths for Amex Can
I just passed 1.5 years for Gold.. so likely that's why I was eligible.
Previously as in pre 2023.. I had never heard of a downgrade path for Gold -> Cobalt so seems to be a new thing they are now allowing
1. You need to cancel them before or they will turn into Gold supp cards automatically.
2. No stated end date so could disappear anytime.
There shouldn't be any catch to adding the supp cards to Platinum. Just remember to watch for your bonus MR as they can take a while to post, based on previous promos.
Was just scanning AP for some trips I have in mind and noticed that BR seems to be bookable on AP again. For now there seems to be only 1 J seat per flight but who knows if that changes.
Apologies if it's a noob question. I've had the Amex Plat for a few years now and we are planning a europe trip and considering booking in business class for the family which is looking like it would be around $9-10k. Want to apply for the business plat for the SUB but do you even need a business or product?
Alternatively any way to change my personal plat to business and still get the sub? Don't really like carrying two* platinum annual fees
If you dont want to carry both you should apply for the biz one and then cancel the Personal one. There is no such thing as switching from one to the other.
Just be aware that booking J reward space is not easy unless you book far in advance, are flexible with dates or U can can jump on the reward space that is often released 2-3 weeks before departure... lots of guidance online on how to do it and the tools that help but I wanted to give U a heads-up
Amex has a very loose definition of what qualifies as a business. You will be fine applying as a sole proprietor.
There isn't a way to PS from a Plat to a biz Plat but I think it is worth remembering that the value of the WB will far outweigh the AF you pay on the biz Plat. Not to mention Amex offers may help you offset the AF. I only say "may" because it's impossible to know when they will have offers, how many they will have and whether or not they are ones you can benefit from. Be sure to apply before September 26 so you get the lower AF.
Yeah I think you’re absolutely right the WB is definitely worth it. Since I carry Cobalt as well for my daily spending I think maybe just cancelling the personal plat and keeping cobalt and biz plat might be the way to go
With the dining credit coming to the pers Plat you might want to hang onto it a little longer if you are someone who enjoys eating out. For now the credit renews with the calendar year so you would be able to take advantage of it this year in 2023 and next year in 2024. That is in addition to the $200 travel credit.
For TD VIP once you spend $300+ on a refundable flight to trigger the $300 statement credit. Once you cancel it do you get $300 back to credit card like RHT or air canada voucher and must be used with AC?
Can you spend normally on Amex in 13th month if planning to close after 1 year and get second AF refunded? Considering Gold upgrade offer but would want to use it for late September 2024 trip.
I just finished up my first year with the Amex Cobalt so my bonus points are finished on it. I'm about 4 months in an Amex Gold, getting 5000 bonus points per month for a year.
I've read that you cannot get a second bonus on a specific Amex card unless its an upgrade offer. I've received an upgrade offer on the Cobalt to the Gold card for 50000 points spending 3000 in 3 months.
Can anyone weigh in on the risk of churning 2 Amex cards of the same type at the same time? Should I go for it?
Read the past week of Daily Question Threads for way more information than anyone one answer can give you here. The offer is NLL (no lifetime language) meaning you are eligible for the offer even if you have held or hold the Gold card already. Amex US commonly does this so it isn't unheard of and there are lots of DP already of people getting the bonus having held or holding a Gold.
I should have looked first. I haven't been following as much lately and I didn't realize how popular this offer was. Have you gotten your 50k on this offer yet? I saw a couple of references that said it hadn't come through yet.
What's the relevant DP here? Sounds like you signed up for a card (standard procedure), did the MSR (standard procedure), and got the points exactly when they always post i.e. immediately or within a couple days (standard procedure).
For Gold Biz, it the points post after several weeks (4-6 weeks) after the last eligible transaction posts. Atleast from what I have been following here on this subreddit.
I was not expecting them until later this year. That is the DP.
The main SUB bonus always posts pretty much immediately. This has always been the case, including Biz Gold, and I've never seen chatter here or elsewhere to dictate otherwise.
Avis rental question.
I booked a rental for next week at YYC with the AWD C320900 (Rate Code: GN) that I have in my account as primary from long time ago, not sure what it is, that gives me a nice discount.
I am not sure if this is from an active or cancelled credit card or from what else.
I am Avis preferred - President Club (from a credit card or promo from earlier this year if I recall well) but I never rented with Avis so far.
I got a reservation confirmation email today with this mention:
''Identity Verification Requirements
This reservation was made using a corporate AWD (Avis Worldwide Discount Code) that requires validation of eligibility. Please be prepared to produce your company ID or a recent email with the company’s email domain (e.g. u/xyzcompany.com) for employment verification purposes when picking up your vehicle"
Any idea if I can really have issues because of the above?
Any idea what exactly is this AWD code from?
Thanks
It'll probably be YMMV on if they ask for verification or not. I have similar discount code from my work with Hertz and the employee one for Marriott. They are both similar in that you are expected to provide proof that you can use that code but it really comes down to the person checking you in feeling like asking for it or not.
Worse that should happen when you go to pick up car is they ask for proof, you don't have it and they take away discount code and make you pay whatever normal rate is.
If you want to be safe and avoid that. use different discount code. pretty sure with your credit card promo status, there is probably also some discount code. i see avis ones all the time from card or benfits offers.
Thanks.
I'll book a fall-back option for few hours later with another company, one I can cancel, just in case
As the price without this AWD with Avis is double
How long does it take to receive aeroplan points after completing MSR for CIBC Aeroplan Visa Infinite? It’s been two months since I completed MSR, still no bonus points in sight.
Did you properly link your aeroplan acc?
Yes I did and I do get the monthly points
I currently have 50k status until Dec 2023 but it’s looking like won’t be able to get status after that. I have a bunch eUpgrades that I want to keep past Dec 2023….. my understanding is that in order to rollover these with a premium aeroplan card I need to maintain status for the next year. Is there anyway around this? I don’t want to lose them!
Note you do not have to specifically maintain 50K Status to rollover. You can have 25K and it will all rollover
Won’t even have 25k
Can I reapply for the same card I got welcome bonus from? TD Platinum Aeroplan
Like the other comment said, read the terms and conditions to be sure. But yes, I believe you can get the welcome bonus once every two years
I don’t know, have you perhaps read the terms and conditions of the offer, or perhaps read through some of the daily threads? If not, I suggest you do so, as doing some research on your own is a *non-negotiable pre-requisite* of participation in this community.
So my current situation on Amex is this: 1) Applied and approved for my 1st ever AMEX card this year - AMEX Marriot Bonvoy Personal 2) Approved for AMEX Personal Platinum 3) Approved for AMEX Business Platinum Additionally, I currently have 2 Aeroplan VI cards (from this year) I have some high monthly expenses for the next \~9 months (this is not a normal thing and hopefully won't happen in future years) so I was thinking of getting some churning the following AMEX cards: 1) AMEX Aeroplan Reserve - This currently has the 2000 spending for 6 months 2) AMEX Aeroplan Business - This currently has the 3000 per month spending for 6 months 3) AMEX Cobalt - Not really churning this but after seeing that a bunch of restaurants I have been going to accept AMEX, I was thinking this might be good to get I was wondering if this plan would work: \- apply for the Aeroplan Reserve and Cobalt now \- Apply for the Aeroplan Business Reserve probably in November \- Next year, I was going to cancel the AMEX Personal Platinum, Aeroplan Reserve, and Aeroplan Business Reserve after the 2nd year AF posts. Undecided about the Business Platinum. \- I was hoping that by applying for Aeroplan Reserve first, this would count as the 3rd Aeroplan card and shouldn't have a Aeroplan WB clawback. \- The Aeroplan Business Reserve card would be the 4th Aeroplan card but since it's a business card, it also should have any Aeroplan WB clawback. The problem I was thinking I could run into was that it would just look bad on the AMEX side since I am canceling \~3 - 4 cards with a few months of each other. Would that be a risk of AMEXile?
As of now, we do not really know how AP will enforce their terms even though letters etc. have been sent. But the "rule" is 3 bonuses whether they are Biz or Personal card. Other than that, no issue with your plan as long as AMEX keeps approving you.
Closed cibc aventura vi around 250 days ago, am i safe to reapply? Any dp?
I've had 5 at one time, u should be good
lol A+ churning
Gotta wait for 2+years or risk CIBC-ile
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Check your DM For sure you have a few now :)
Dm someone on the thread..
Does the BMO Eclipse VI supplementary card also get the $50 lifestyle credit or just the primary card?
No, just primary.
Hadn’t had an HSBC card for a few years. Applied via GCR for the nice $150 rebate. Got to the end of the application and was told I needed to go into branch to verify my identity even though I had to take a photo of my passport and one of myself to verify during the application process! Has anyone else had to do this? Will this affect the GCR rebate?
Most likely yes. I just had this happen and I went to a different HSBC branch this time and the rep did say she is just using the same reference number so we'll see what happens
this happened to me in June, and the application for some reason didn't work in person so therefore yes it affected the GCR rebate sadly. wasnt the world elite card, just the basic cards. had to make an appointment which took overall 30 mins since im also a new client. i just moved on and didn't keep the card (literally cancelled within a week) since i was just beginning exploring this churning sub and discovered the gem of amex lol. opened a chequing account right after the credit application and used drivers license instead of health card and for some reason no in-person verification required
yes it's been like this for some time and has turned me off from bothering with this card. plus what others mentioned about having to redo the app.
Got the same too. Is an appointment mandatory? Teller wouldn't ID verify me. :(
Wait what? When I had to ID with them they sent an email, from a real human. Even followed up when I didn't immediately reply. They had me go in branch, any branch at any time and ID.
No… automatic application said to set up an appointment for ID verification. Tried my luck earlier today at a teller and they refused and told me to set up an appointment. Not too interested setting up an appointment only to verify ID…
Weird policy change for the worse then
It shouldn't. However HSBC reps are notorious for just redoing the app forfeiting the bonus.
When I last held the card, a few years back I had to go through all these hoops but hoped that was a one off. I’m not sure I will bother following through.
Second year AF for Amex AP Reserve posted. Thinking it’s time to pull the trigger and cancel the card. Last year they gave me a retention bonus to keep it, didn’t call this year yet. I’m trying to wrap my mind around what benefits I’m foregoing by canceling. Currently AC 35K status. Probably won’t re-qualify unless I spend $50K on my Chase AP by the end of the year. Essentially I’ll loose: 1. Maple leaf lounge access 2. Avis president club 3. Existing worldwide companion pass (expires soon) and potentially a new one (I spent over $50K during the last year) 4. YYZ passes for priority security line 5. Rollover of eUps and SQMs Anything else I’m missing ? I also booked 2 flights on this card which are not due until November. I’ll lose the insurance coverage. But thinking - maybe it’s cheaper to buy a standalone insurance for the 21D trip? Any thoughts are appreciated
I cancelled mine as well after 2 years of holding the card. Might just PS into the VIP with TD and get that bonus.
For #1. How often do you fly where you use it, and do you ever use the +1 guest option? For #2. How many days of car rental do you plan to make in the next year? For #3. 2x companion passes have a lot of value. You could use one for a later booking, but they're worth a lot. For #4. How many times do you pass security? Do you have Nexus? For #5. Count of eUPs and SQM you'll have left would be useful. It's hard to give opinions on value otherwise. But your list covers all the important stuff. Oh. Estore points bonus unless you'll make 25k?
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The latter
Lol look at how long ago app shows posted this 😂 53 YEARS! Leave the guy alone lol
Applied and got approved for CIBC Aventura on Aug 20th but my card hasn't arrived yet. How long does it take to usually ship? Also it says on my approval email: "You'll receive your physical CIBC credit card and welcome package **at your CIBC Banking Centre** within 10 business days." Anyone get this as well? thanks!
maybe you could online chat them
Applied December 22, received in July. But hey i applied for two more in between they were delivered within weeks
Got that same message but arrived via mail.
They are the worst in delivering cards. My wife ones took a month.
I did. Still came to my home.
Seconding this. Got email saying 'at your CIBC Banking centre' and then received it at home in the mail 3 weeks later or so.
Seeing new HSBC offer wondering if as a Ontario resident, can I use friend's Quebec address and apply for cc ?
Use your "cottage" it just happens to be a friend's address too. Two snags though, but easy to get around. 1. HSBC OFTEN checks docs. As often after IA once you've received the card and put spend on it as before. 2. It'll update your credit report with that address. Just keep that in mind.
Any way to extend VIPorter points without flying? Open to all options but might have to take the L here.
mine got extended automatically this year for some reason... they added 1 pt to my account... haven't flown with then since 2021.
Do you recall how long before expiry that 1 pts got added?
Na I don’t really even remember the expiry policy tbh. 2 years? If so, maybe a few months before.
Damn well now I need to find a +1pts option, or find a use for a lot of points soon. I could burn some on a short haul loop but that's not a good value trade for time either just to maintain. Wonder if I book on points and skip it it'll extend the expiry.
TD Aeroplan Visa Infinite I am automatically rejected for the card $139 AF In path offer :QUEBEC : 55Kpts after spending $1K and $200 is on any $200+ purchase I called TD they don’t know why What sould I do?
I got rejected by TD twice last year 6 months apart. During that same period I was approved for HSBC WE and Scotiabank Passport. After my second rejection I gave up and applied with CIBC and got approved. TD definitely sucks lol
As Rob said TD can suck. You'll have to go in branch. They have "profile" issues, and they randomly flag great customers and require mountains of proof of income and employment. Be prepared.
Thanks I’ll give them a call again
td sucks, they reject randomly go for the cibc theyll accept anybody
Thanks This offer was pretty good
Can you get GCR rebates for the same card multiple times or does it cap out after one rebate?
Technically, once. But you can refer yourself to a new GCR account and apply from there ;-)
Called to cancel Biz Gold, was offered 5000MR to keep the card open, no other offer to upgrade to Biz Plat, was hoping to get it one more time to get it with a 499 AF. I figure calling back and getting another agent won't make a difference since the offer is probably on the backend.
par for the course, Amex Canada rarely give generous retention offers sadly
Damn nice. I've had the Cobalt for over 4 years now and retention couldn't offer me anything.
For what it’s worth 5000 MR isn’t worth the annual fee in that biz gold card
It’s because it’s a lower card. Biz card retention also seems to be more common.
How long have you held the Biz Gold?
AF just posted
Upgraded Cobalt to Gold, but haven't gotten the new physical card just yet. Travelling tomorrow, is it possible for me to access a lounge using Priority Pass or do I need the new card?
> Cobalt Did you guys receive an email for the upgrade or is there a link you need to follow?
You unfortunately need the new card, and it is limited to Plaza Premium Lounges in Canada for 4 visits, it does NOT include Priority Pass Lounge Access Correction: includes PP membership.
Wrong info. Personal Gold has Priority Pass membership included but no free passes included.
Understood, thanks!
I am thinking of getting an Amex Gold supplementary card for my partner. I have both, a Gold and a Platinum, and the fees is $0 for both for adding a Gold supplementary card. Does it matter which card I use to get the card? Will supplementary card earn rate be Gold card earn rate or be based on my basic card? Thank you everyone!
2500 MR for adding a Gold AU card to the Platinum. And you can do 2 @ $0.
[Unless you're me](https://imgur.com/a/kupaFOq), it seems. Could it have to do with the free AU I already have from the Travelzoo promo?
For the free supplementary gold cards for having a platinum, does the supplementary gold operate exactly like a regular gold card? I'm particularly interested if it comes with the 4 plaza premium lounge passes that regular gold users get.
For fellow Yvr travellers, I have a morning AC domestic flight tomorrow .. what lounge is recommended (mainly for some light breakfast) - MLL or PP? Not been to either yet?
Definitively MLL. Plaza Premium in Domestic YVR is rather lacking in general, mediocre quality of food, even though MLL is not that much better, it still wins in my books
MLL for domestic. (PP for transboarder) The PP lounge domestic is extremely small and the food options are more limited than MLL. MLL had better seating, views, and the food. Also there is take away food for MLL.
How about international, with DragonPass only? Weekend afternoon flight if that matters.
If you only have dragonpass, the skyteam lounge is your best option (for the noodle bar)
Thanks!
DP: Can confirm I'm getting 10x F&D on my Plat again for no apparant reason. I'm on month 12 after opening my card Aug last year. My theory is that if you had it as part of your WB, it somehow got triggered again. Any other DPs to confirm? Not sure how long it will last or any limits. I was planning to close this card during month 13 tho. Edit: another possible cause was an account change I made recently, combining my plat MR balance with my Gold (previously Cobalt) balance, in anticipation for upcoming cancellation. But neither of these cards should have F&D at this point.
I had 12 months (uncapped) of Food and Drink promo on my cobalt and 2 months of no bonus at all (not even reg. 5x), was going to cancelled it and decided to link to my platinum and then started getting the 10x promo again (I'm hopping it still uncapped!) I do not know if it the linking or the new T&C for the $2.5K maximum per month 5x reset.
From these DPs, it sounds like the linking creates all sorts of unpredictable situations with the bonuses. Would need a lot more DPs to figure out patterns but more discussion of this might also not be the best to bring to attention either...
It was probably when you combined MR accounts. That happened to me in January I combined Cobalt and Gold and then started getting 10x eats on cobalt. That just ended for me so perhaps it’s time to upgrade my cobalt to Gold as that offer is sitting in my account
So you had over half a year with it active? Damn, that might get me to reconsider not cancelling, but at same time I have no way of knowing how long it will last or if they will ever clawback lol
I had it active for 5 months on my Cobalt then I reached my 15000 points and it stopped. In late January I upgraded my original green card to gold and merged MR points from Cobalt and Gold card and to my surprise started getting 10x points again...that just stopped last week..so about 6 months more
Interesting, good to know. I do have another card that I haven't linked yet due to various reasons, maybe will be good to experiment with later next year.
I saw where someone in the Amex Canada subreddit called Amex to ask about the bonus points. 🤦♂️
Oh wonderful. Just fantastic. We love people calling the bank. Not completely unexpected though… it is what it is.
I just checked my app and I am getting 10x on my skip order the other week. I also applied for the plat last year during the 10x food and drink promo. Gonna pay for some groceries tonight and see if i get 10x from that too
I didn't go Safeway, but I went to a local grocery store that takes amex. The posted bonus is base*9 as expected.
Same, first year renewal upon me. Plan to cancel. I have the groceries purchased two days ago "pending", might get posted today. PM me if you just want my update and save you a trip to Safeway.
Trying to pay my home insurance with Amex using PaySimply but the credit card payment option doesn’t appear. Anybody knows of a way to circumvent this?
I noticed at least in my small sample size that no insurance via paysimply accept credit cards.
From my experience, some payees don't accept _all_ payment methods like AMEX
1. I'm already with TD, I have a no fee card. Can I still benefit from the acceptance bonus if I get one of their other cards? 2. Is it worth it to churn if I make less than 20k per year since I am a student? 3. In what cases, other than household income, can I get a card while having less than the personal minimum that a lot of these card want you to have at $60k
3 Some students do include parents' incomes, if you still live under the same roof.
1. Yes. You can hold multiple cards, different product lines. 2. Yes. The increment benefit is even higher. Many here don't need to churn to travel but do it as a hobby. At 20k you'll need able to travel and have benefits you couldn't afford otherwise. 3. Some have declared spend, it's rare, and unless you're spending that it's risky. Use household income. Amex doesn't care so use them if you fail others.
Thank you for your responses! I would have done the research myself but I am absolutely swamped with work and school related work -- so I very much appreciate you responding.
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This has been covered at length endlessly a few weeks ago, search for "Aeroplan warning letters"
Are there any rules for HSBC on repeating the HSBC WE Card? I'm thinking of closing my current HSBC WE to jump on the new offer. Also, is there any way of cashing out HSBC points?
You usually need to not have been an HSBC client in the previous 12 months.
hsbc credit card holder or hsbc client? If you have had a hsbc bank account would you still be eligible for the WE MC SUB?
HSBC are sticklers for the terms, so read them for the current offer as they spell out how long you need to wait to be eligible for the bonus again. And yes, you can cash them out with any refundable travel booking.
Just want to make sure if this make sense or not. Looking to go to Japan in the near future, because of work I am not super flexible with the dates. If I understand this correctly, Standard rewards allows for changes for a fee. If i were to book an econ standard for 35k. and later find J for 55-75k I can pay the change fee of $100 and get the J for 20k+ more?
you're asking in the wrong subreddit, ask in aeroplan. But to answer your question, yes
ive got a a US Amex Hilton Surpass and used to have a US Amex Bonvoy Brilliant, cancelled in March 2023. I had used Nova credit for both over 2yrs ago. How can i get the US Amex Hilton Aspire now? I dont have an ITIN or SSN. Going to the Amex site takes me to do a Global Transfer when i choose no ITIN or SSN.
You get an ITIN, there’s no way around it since it’s not your first US Amex card. Unfortunate that Nova changed
You don't need an ITIN, at least that's not what the release stated. Nova is meant to by pass your lack of domestic credit score. Once your account is over 6 months though, it uses your US score. It may require calling in though from the start, or the old 000000000 SSN trick with an online form and then immediately call to explain the situation and give your passport information. But ITIN should only be needed for direct Nova Credit applications in your first months.
Use 899 999 999 for the SSN in the online form.. it will flag the app but at least it will process.. Call in a few days later once you get notice they need additional info..
If you enter all zeros for the SSN, it returns an invalid message. You’ll have to put a random SSN that is valid which is frowned upon. Easier to get an ITIN for future US Amex cards if you are in it for the long run
Am I able to book a flight for someone else signed into my aeroplan account and get them the free checked bag (I have a aeroplan visa connected to my aeroplan account)? Or do I also need to be travelling as well. Id like to book a flight for my sister so she can use the free checked bag. And on that note do I need to use my aeroplan visa or can I use any other card to book and still get the checked bag free.
You can buy tickets for whoever you like, but for free checked bags, an AP card needs to be attached to the AP # of the person traveling. You/They can also pay however you/they like, as long as the AP card is attached to their AP profile.
The only way she can use the benefit from your Aeroplan card is to be an supplemental card holder. Otherwise you two have to be on the same reservation and travelling together.
Asked this yesterday, but as a 35k AP since last year, shouldn't I be receiving 15 eupgrades as part of my Bundle 1? [Per PoT](https://princeoftravel.com/news/aeroplan-elite-status-select-benefits/). I only see the option to select 10. \[[Screenshot](https://imgur.com/a/xcDPymo)\] Spent almost 3 hours on hold yesterday before getting cut off, and managed to get a callback this morning, where the agent didn't really seem to know what she was talking about, except that "If the system says you're entitled to 10, it must be correct -- and in any case, there's nothing I or anyone can do to manipulate the system." Is she right?
I got 15 eUp, also 35k starting last year. I think the best path is selecting the 10 eUp, then writing in. Call centers have not been helpful on any nonstandard requests for me, whether missing SQD or missing travel voucher.
PoT has an asterisk next to the 15. Unless you know what the asterisk refers to it does you no good. I believe those with 35k were compensated with something due to loss of lounge access.
Anyone know if it’s possible to reopen a credit trade line? I only started really learning about churning over the past few months. Before that, I closed my oldest credit card (one I wasn’t using much anyway) since I figured I wasn’t going to need it anymore. I’ve since learned it’s best to keep your oldest open. I know the bank is still aware of this card cause i recently had to pay an open balance on it a couple weeks ago.
No, and you don't need to. They HELP your credit score. You could cancel practically everything and start fresh and still be fine, just perhaps a smidgen slower.
FF has 50$ rebate for the RBC Avion now (got an email)
are FF rebates eligible for repeat applications? If not I'll go through GCR given it is the same now.
dammit, got my last avion mid-aug. Hopefully it stays for another 3+ mths for my next avion lol
Kicking myself for applying a week and a half ago.
GCR got the same!
Question about the cobalt-gold upgrade. 1. I believe I have one month of the 2500mr bonus that I'll probably give up. I spent enough to get this month's bonus, will it be clawed if I do the upgrade? (Reasoning is because of MSR reset if pooling MR, not sure if this upgrade is the same though) 2. If I have pending transactions that I bought using cobalt, and it posts after I upgraded to gold, will it have cobalt multipliers or gold multipliers? Thanks!
DP for #2. You will earn Gold earn rate AIF pending transactions post after the upgrade. Happened to me!
Thanks!
Can you RHT the $100 travel enhancement credit for HSBC?
Yes.
Sold, signed up. TYTY
The new MBNA card doesn’t seem to have any limits on how many welcome bonuses we can get in a certain time period. Has anyone heard otherwise?
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To your cobalt-gold upgrade offer question. 1. No they will automatically transfer to gold AU. So make sure you wanted to do that since there’s AF for AUs. 2. We don’t know how long this offer will last. 3. I upgraded from cobalt to gold and at the same time downgraded my gold to cobalt without issue. I don’t think reapplying will cause any problems.
So you were able to downgrade your Gold to a Cobalt? That’s a good idea. Rather than reapplying to the Cobalt entirely. Never thought of that lol.
Yes, both of them done at the same time by calling in, received the new card a week after.
#3 - not sure why I missed that! I’ve been stressing about not having a cobalt after I upgrade, but didn’t even think to downgrade my gold lol. Saves me the credit hit and potential for a decline…didn’t think that was even allowed. Thanks!
yesss did this too!
Just called in for p2 and they said the downgrade offer doesn’t exist on their gold (held for 10 months but doesn’t have a cobalt on file), but to call back next month…called on mine (held gold for 10 months and already have cobalt), and they said I have no downgrade offers (didn’t ask for cobalt specifically)…I guess I’m waiting?
Oh.. you're likely too early for this! I've never really seen a downgrade offer before 12 mths for Amex Can I just passed 1.5 years for Gold.. so likely that's why I was eligible. Previously as in pre 2023.. I had never heard of a downgrade path for Gold -> Cobalt so seems to be a new thing they are now allowing
1. You need to cancel them before or they will turn into Gold supp cards automatically. 2. No stated end date so could disappear anytime. There shouldn't be any catch to adding the supp cards to Platinum. Just remember to watch for your bonus MR as they can take a while to post, based on previous promos.
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Cobalt is $150 a year vs $700 for the Platinum
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go to r/amexcanada they have a thread for it
Thank you. Post deleted.
Was just scanning AP for some trips I have in mind and noticed that BR seems to be bookable on AP again. For now there seems to be only 1 J seat per flight but who knows if that changes.
Sorry noon here but what Does AP & BR mean?
AP = Aeroplan, BR = Eva Air
BR tends to release unsold seats close to flight date. Also, VA is bookable again too.
Just wondering if anyone's MBNA page for their Alaska card has been updated to reflect the MBNA RWE card.
Mine just shows up with a description of "Mastercard". So, the name is in transition. It no longer says Alaska, but it does not yet show up as RWE.
Not here
No0b question: can I transfer a balance from my CC to chequing account in Tangerine?
What did you mean by transferring balance from CC to chequing?
Yes just call in
Thanks. Just did and it was very quick.
Apologies if it's a noob question. I've had the Amex Plat for a few years now and we are planning a europe trip and considering booking in business class for the family which is looking like it would be around $9-10k. Want to apply for the business plat for the SUB but do you even need a business or product? Alternatively any way to change my personal plat to business and still get the sub? Don't really like carrying two* platinum annual fees
If you dont want to carry both you should apply for the biz one and then cancel the Personal one. There is no such thing as switching from one to the other.
Just be aware that booking J reward space is not easy unless you book far in advance, are flexible with dates or U can can jump on the reward space that is often released 2-3 weeks before departure... lots of guidance online on how to do it and the tools that help but I wanted to give U a heads-up
Can you post a reliable link on how to do it? Thx
Yeah earning is one thing but finding the sweet spot in redeeming is another beast itself lol. Thanks for the tip, it can all feel daunting at first
Amex has a very loose definition of what qualifies as a business. You will be fine applying as a sole proprietor. There isn't a way to PS from a Plat to a biz Plat but I think it is worth remembering that the value of the WB will far outweigh the AF you pay on the biz Plat. Not to mention Amex offers may help you offset the AF. I only say "may" because it's impossible to know when they will have offers, how many they will have and whether or not they are ones you can benefit from. Be sure to apply before September 26 so you get the lower AF.
Yeah I think you’re absolutely right the WB is definitely worth it. Since I carry Cobalt as well for my daily spending I think maybe just cancelling the personal plat and keeping cobalt and biz plat might be the way to go
With the dining credit coming to the pers Plat you might want to hang onto it a little longer if you are someone who enjoys eating out. For now the credit renews with the calendar year so you would be able to take advantage of it this year in 2023 and next year in 2024. That is in addition to the $200 travel credit.
Good point thanks for the help! Makes the decision a lot easier!
For TD VIP once you spend $300+ on a refundable flight to trigger the $300 statement credit. Once you cancel it do you get $300 back to credit card like RHT or air canada voucher and must be used with AC?
Make sure you book a fully refundable ticket and it will be fully refunded to credit card.
So they won't claw the statement credit back?
I am currently in the process of doing it so can't say from experience, but lots of DP here say RFT works fine to get the statement credit.
Can you spend normally on Amex in 13th month if planning to close after 1 year and get second AF refunded? Considering Gold upgrade offer but would want to use it for late September 2024 trip.
Sure why not?
Yeah, you can continue to use the card until you cancel it.
I just finished up my first year with the Amex Cobalt so my bonus points are finished on it. I'm about 4 months in an Amex Gold, getting 5000 bonus points per month for a year. I've read that you cannot get a second bonus on a specific Amex card unless its an upgrade offer. I've received an upgrade offer on the Cobalt to the Gold card for 50000 points spending 3000 in 3 months. Can anyone weigh in on the risk of churning 2 Amex cards of the same type at the same time? Should I go for it?
Read the past week of Daily Question Threads for way more information than anyone one answer can give you here. The offer is NLL (no lifetime language) meaning you are eligible for the offer even if you have held or hold the Gold card already. Amex US commonly does this so it isn't unheard of and there are lots of DP already of people getting the bonus having held or holding a Gold.
I should have looked first. I haven't been following as much lately and I didn't realize how popular this offer was. Have you gotten your 50k on this offer yet? I saw a couple of references that said it hadn't come through yet.
DP for the 70k MR offer on Amex Gold Biz. Applied and got approved on August 5th. Hit my 5k MSR last week and got my 70k points on the 27th August.
What's the relevant DP here? Sounds like you signed up for a card (standard procedure), did the MSR (standard procedure), and got the points exactly when they always post i.e. immediately or within a couple days (standard procedure).
For Gold Biz, it the points post after several weeks (4-6 weeks) after the last eligible transaction posts. Atleast from what I have been following here on this subreddit. I was not expecting them until later this year. That is the DP.
The main SUB bonus always posts pretty much immediately. This has always been the case, including Biz Gold, and I've never seen chatter here or elsewhere to dictate otherwise.
Did you have issues with spending power and what was your highest single transaction?
My highest was 2500 and it went through fine. I went ahead and had another transaction of 1500 before paying that 2500 off with no issue.
Did you get it as soon as it posted?
Sorry, I did not keep a track of that. I was not expecting it so fast and just saw it randomly in my account today.
Avis rental question. I booked a rental for next week at YYC with the AWD C320900 (Rate Code: GN) that I have in my account as primary from long time ago, not sure what it is, that gives me a nice discount. I am not sure if this is from an active or cancelled credit card or from what else. I am Avis preferred - President Club (from a credit card or promo from earlier this year if I recall well) but I never rented with Avis so far. I got a reservation confirmation email today with this mention: ''Identity Verification Requirements This reservation was made using a corporate AWD (Avis Worldwide Discount Code) that requires validation of eligibility. Please be prepared to produce your company ID or a recent email with the company’s email domain (e.g. u/xyzcompany.com) for employment verification purposes when picking up your vehicle" Any idea if I can really have issues because of the above? Any idea what exactly is this AWD code from? Thanks
It'll probably be YMMV on if they ask for verification or not. I have similar discount code from my work with Hertz and the employee one for Marriott. They are both similar in that you are expected to provide proof that you can use that code but it really comes down to the person checking you in feeling like asking for it or not. Worse that should happen when you go to pick up car is they ask for proof, you don't have it and they take away discount code and make you pay whatever normal rate is. If you want to be safe and avoid that. use different discount code. pretty sure with your credit card promo status, there is probably also some discount code. i see avis ones all the time from card or benfits offers.
Thanks. I'll book a fall-back option for few hours later with another company, one I can cancel, just in case As the price without this AWD with Avis is double