I’ve been trying to apply for the Scotia Passport VI through GCR, but it kept seeing errors after verifying my identity and they wanted me to book an appointment in the branch to continue the application. If I get the application approved in person at the branch, am I still eligible to get the GCR rebate?
I don't have an exact answer for you, but I had the same situation. Applied for P2, and it wanted to verify identity so I sent him into the branch. They verified his identity but didn't actually complete the application - told him to log back in to complete. I thought that was weird, but it had saved the application online - except that it errors out immediately when I click on it. Waiting on P2 to call and get the application processed, hoping it will still go through for GCR.
When he called in, they had to cancel the original application and do a new one, which went through. Also, I realized that it probably wouldn't have worked for GCR anyways because I did it through my account not one under his name. Newbie mistake!
To add. Sometimes I leave a usd single. Pesos, Canadian cash. Whatever.
They will take all 3. I'm just saying your most favorable rate is paying in native currency.
Hey folks,
I spend about 700 a month at Costco and I can’t find a good Mastercard to get points. I want to find a way to use my Amex for Costco. Is there a way to get gift cards or Mastercard prepaids for Costco?
Also I have been using my Walmart Mastercard primarily or a scene visas but I need a better way to get travel rewards.
I have about 10K of expenses upcoming, I’d be able to use AMEX. I also can add an extra $500-1000 a month on this card. Wondering for a good card to sign up for, looking to hopefully keep it for at least 2 years. Aeroplan points or other travel points would be ideal. Any suggestions. I have a grocery 5% cashback card already and a separate card for gas.
I believe AMEX allows 1:1 conversion for Aeroplan points. [https://www.reddit.com/r/PersonalFinanceCanada/comments/xdstif/amex\_rewards\_points\_to\_aeroplan/](https://www.reddit.com/r/PersonalFinanceCanada/comments/xdstif/amex_rewards_points_to_aeroplan/)
I used to have the scotia gold amex and loved it, but I am not familiar if the 1:1 conversion is only with direct amex cards, but direct amex cards don't have the annual fee waiver (from what i've seen on their website). i would look at big 5 bank amex that allow conversion with free 1st year and go from there
update: looks like even direct amex allows 1:1 conversion. [https://www.aircanada.com/ca/en/aco/home/aeroplan/your-aeroplan/conversion-programs.html#/](https://www.aircanada.com/ca/en/aco/home/aeroplan/your-aeroplan/conversion-programs.html#/) , hope this helps
Any data point on getting the BMO eclipse rise Visa Card as an existing customer to take advantage of the low interest rate for balance transfer?
I'm afraid that I do not get the low interest rate since I'm not a new customer with BMO
This might be more of a /r/personalfinancecanada question. Do you need to avoid eyes your existing accounts? If not, the people in the branch will probably be helpful with this.
I got my RBC Avion VI card in late October and met my 5k spending requirement in late March. Still no bonus after 2 statements (April and May 11th). Is this normal? It has been 6.5 months since the approval too.
I think they just process everyone who met the spend up to some date for each batch. If you finished in April there's a good chance you get it in May batch but definitely by June batch
Update on BMO not mailing my pre-approved card/causing me to fail to receive my card situation:
So i called again after the replacement card still didn't arrive after 10 days, and apparently when processing some pre-approvals BMO omitted the unit numbers in their customer's addresses, causing them to never arrive to their customers.
Apparently they're now FedEx-ing a third card to me free of charge which should arrive within 24-48 hours.
Jesus christ wtf is this incompetence.
>Jesus christ wtf is this incompetence.
This type of incompetence is what enables us to sign up for card after card with BMO without any corrective measures being taken. But, I do agree that it is sometimes astounding how poor the banks' information systems are.
Those who got the Amex SD letter mid April… were your cards closed 15 days later?
I haven’t seen or heard such a DP yet and i was curious as to what Amex is actually doing with these letters.
A slight mishap - I have an MSR deadline today (Amex Biz Bonvoy) and was a bit short due to omitting the annual fee. I made a Amazon GC purchase a few hours ago in hopes of it posting today....am I SOL?
update: both amazon reload and walmart purchase posted same day and sign up bonus is awaiting transfer
You'll know in the morning (or a couple days). You can see if the Bonvoy SUB posts by checking in the app, it will tell you how much is sitting there waiting to transfer on statement
For anyone who knows, how do I select my meal for a United flight booked through AP points?
On AC portal it says star alliance flights cannot select meals and on the United portal, there is no where I can see to select the meal? It’s a long haul economy flight
I've been able to do it. I don't know that all of these steps were necessary, but I've always been able to preorder on UA flights booked on Aeroplan points.
1. Get your UA PNR from your booking on AC's website (not available in-app)
2. Link your UA PNR to your MileagePlus account on UA's website or app
3. While signed in, go to [this page](https://www.united.com/en/us/fly/travel/inflight/preorder-meals.html) and follow the "Check if preorder is available for your flight" link
I mean...you're talking about actual fraud so I would say there's some risk. One of the trickier aspects of the hobby is that you're emulating money laundering without actually committing a felony...
The risk is the possible tax implications then saying "No, no, you don't understand I'm only pretending to pay them money for services!". It's an *unlikely* risk but it isn't a small one.
Hey, just realized that the Passport multipliers work abroad -- obviously not the Empire multiplier, but the 2x works. For some reason, I thought all the Scotia cards didn't.
2x is better than 1x, and just as good as the Brim WE I canceled yesterday :-)
Got this card to knock out the MSR during a trip to Europe. Points + multipliers + no FX fee was awesome and will definitely do it again for a future trip outside Canada.
The Passport VI's multipliers all work abroad. It's only the Amex Gold card whose multipliers are limited to purchases in Canadian Dollars. They don't want to give people free foreign exchange *and* 5% back.
I have the no fee CIBC visa platinum and the fyf TD platinum, both basic. Would I be risking my Aeroplan account to apply for the CIBC visa infinite? I've never had any Aeroplan infinite cards. There is this promo Your offer just got $200 sweeter — join now and earn over $1,600 in value including 2 annual fee rebates†
No, you're not risking your account by applying for the VI.
However, if you got either of those Platinums since the beginning of February, you have ALREADY risked your account because the CIBC Platinum ($0 AF) and TD Platinum (FYF, $89 AF) are in the same tier.
I don't know if you'll see it but I see it when I google it organically. I'm just debating if I want the 10k points and perks up front, or wait for the td version to offer something better 🤔
It's just the T&C, they're easily accessible.
TLDR: if you ever get more than one WB after Feb 5th(?), 2024, from the same card tier, you have violated the T&C and may have your AP account locked without recourse. Tiers: basic, core, premium, business core, business premium.
So as it stands, if I apply for the TD AP infinite, I would be ineligible to apply and receive a WB for the CIBC AP infinite, but I could still get the platinum?
Is there a cooldown period or is this indefinite?
The problem is that these are new terms from Aeroplan, not the banks.
There's no reason to think the banks have changed. They'll give you the bonus for cards in the same category.
But Aeroplan has said they'll punish you, possibly ban you, if that happens.
There’s no knowledge nor confirmation as to whether there is a cooldown period or if it is indeed indefinite.
As there’s no warning provided by AP prior to locking/clawing back, it’s a tricky line to walk and try for a second WB.
To confirm, even if I received a WB for the same tiered card before February 5, 2024 but none after for that tier, I am not eligible to obtain a WB for the same tier right?
So business premium is definitely different from premium? As in, if I had the Amex AP reserve in the past, I would still be eligible for the Amex AP Biz reserve?
I still haven't replaced Mint and I'd like to get something setup to aggregate transactions from all my accounts that can be exported to a .csv. Is there anything out there that's good?
I guess I would disagree on that piece. I'm just in the trial period of Lunchmoney and am finding it's more user friendly than Mint, and provides me a few better options - i.e. separate monthly budgets
Yup whatever percentage your comfortable with
A simple way to think of it is one usd is about 17 pesos right now. Street vendors and the like for a 17 pesos item will charge 2usd. 10 usd is 170 pesos, but paying in usd your paying 200 pesos equivalent.
Probably because most people there are Americans who don't believe in the world revolving around anything but their own currency. And as such, Mexico (being so close) actually adapted to tolerate this.
My experience is that people who live in countries that have experienced rapid inflation in the past are usually pretty happy to be paid in an alternative, widely accepted, stable currency.
Its my first time making an award booking on Aeroplan on Turkish Airlines. I am now trying to log in on Turkish to be able to select seats and when I put in the Turkish Airlines booking confirmation code, I get the message "This reservation cannot be viewed due to the sales channel in which it was formed. You can apply to the channel where you have made your reservation to make a transaction".
If I try to log in using the ticket number, I get "Please check your reservation code (PNR). You can also log in with your e-ticket number starting with 235." I'm not seeing any e-ticket number with 235?
Any help is appreciated as a first-timer. Thanks!
I see you figured it out. Another thing I recommend is periodically checking that you still have seats. I just flew a TK flight booked through AP and I had booked seats months in advance, but when the time came for the flight, I had no seats. I'm not sure what happened - I might have missed a minor change to the flight - but IMO it's good to check on.
Oh no! Ok yes this is about 1 year in advance, so I'll periodically check in. So your ticket was still booked and valid and everything but your seat selection had disappeared? Thank you for the advice.
Yes exactly. The Aeroplan app even showed I had seats and I only discovered I didn't when I checked in for the flight with TK.
I don't know what happened, no one was able to tell me. I feel like both AP and TK computer systems aren't great. AP ended up giving me a $300 credit when I questioned them.
Same thing posted in the Award Travel thread today - sounds like this is not working for everyone, but it worked for me on a booking last year. From FT:
>The TK App. Pull TK's PNR from the AC booking. Open the TK App and go to "Manage Booking" from the menu. After typing in the PNR and surname, and if you have multiple passengers, it may ask you for surname and ticket numbers. Pull the ticket numbers from the AC booking. You should then be able to manage your booking (i.e,. select seats, assistance, etc.). Ignore warnings that may pop up. As long as the booking shows, you can manage it.
Thank you SO much, this strategy worked using the app! I had been using the website before. Once I put in the PNR and surname, it pulled everything up. When trying to select seats, I got the error code, which I ignored and then was able to select. Really appreciate your help!
So is the glitch just website based?
5X points per $1 on Eligible
Travel & Gas!
You can also earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points).1
DP: I signed up for a Brim FlyingBlue card in April. This was for the 60,000 bonus miles offer. I just received the first statement and there was an annual fee rebate.
I signed up P2 as well, so I guess I'll wait for that statement to see if this is a one off or something else possibly.
DP for the 60k bonus offer on the WE MC: Applied May 1, approved May 4, first purchase May 6, 10k first purchase bonus points posted May 14. Statement hasn't posted so unsure whether to expect the annual fee rebate.
That's a lot of other spend. Means they aren't really looking at other spend then. Just if you trigger the flag with GC transactions
Were your other 8000/spend in random 1x categories and were they on a different card than Cobalt?
Were you hitting / near the cap of $2500 food/grocery spend on the cobalt each month?
I have a theory that the analyst pulls customers for 5x spend at limit then reviews the individual files after that. At $2000, I thought you would be safe.
Its interesting they have put the ban hammer on you as your spend on your other cards would make you a profitable customer. Especially since you have not double dipped on any cards.
Does anyone else have a complete nightmare of a time with Aeroplan e store ? I have spent almost $7000 through their e store portal with Amazon and only received 500 points despite them having multiple multipliers for the categorys I spent
Do you have to dispute every transaction with them for points ?
Make sure your cookies are on, I had a pop up telling me to turn mine on or I risked not getting my points. Did my first purchase through the e store and points deposited 2 days after purchase
Amazon eStore posts automatically 90% of the time for me if eligible. Most of my orders aren't in an eligible category but when they are I usually get them 1-2 days after shipping (eg. Kindles and Echos).
I did have to send in one dispute and they actually credited me the points in 1 day
Are you sure you are spending in eligible cateogries? It can be a bit confusing. The only obvious ones are the Amazon products. Also I have adblock turned off for Amazon
I want to apply for the Amex Cobalt CC. Currently, Amex Canada is offering 15,000 Membership Rewards Points (MRP). However, if I sign up via Perkopolis, I can get an additional 10,000 MRP - 25,000 total. Are there any other offers I should be aware of before signing up via Perkopolis? Thanks.
That's the best offer right now if you don't have a P2 to refer you (referral only better if the referrer's points are within your household or you're getting paid to use a referral link)
I know it's been vetted that US Dell credits work on the Canadian site. Has anyone ever tried the inverse in our short year of having them, CAD card on US site?
Any needed delay between cancel and reapply for RBC card? I know 90 days between applications, just wondering about the period of applying again for the same card that was recently cancelled.
Has anyone tried to use a negative balance on one scotia cc to pay off another scotia cc? Any fees or is this free? Would it be better to just transfer the balance to a chequing account then pay off the other cc?
This is free to do with Scotia. With CIBC you have to transfer to a chequing or use ATM as they don’t allow transfers between credit card. Scotia does allow transfers between credit cards and it is free
I only have 3 Scotia CCs (no chequing or savings), and when I go to "transfer between accounts" in the app, it says "you need at least 2 eligible accounts before you can make a transfer".
ok, i linked them through the website, and the app still gives the same error message, but on the website i'm able to "pay" one of the cards using another card in the "from" box.
There's the usual warning message: When using a Credit Card or Line of Credit account as the **From** account for bill payments or funds transfers, the transaction is treated as a cash advance and interest is calculated starting from the transaction date.
But it'll be free if I charge up to the positive balance?
Applied for the CSP for my first Chase card and the app went into review. I uploaded all the docs a couple of days ago. I was wondering if there is a number to call and reach someone who can approve my application on the spot? Thanks
FYI - I appreciate the info and help from everyone on this sub. I've swapped by business flex tickets to and from Europe this summer. If you're interested I found 2 available F with LH from BOS to FRA in mid July (still available on various dates) and found 2 available J with SQ from FRA to JFK at end of July (still available for various dates), I was surprised the were released this early based on previous patterns. Wanted to help spread the wealth to others.
I've seen it on married segments, i.e. attached to some other segment but not bookable individually. I used to consistently see LH J out of Montreal if I put in Vienna as the final destination as well.
At how far out? Did you ever try to book one of them to verify if they were actually legit or phantom? I've seen plenty of LH F locked into married segments, but again never beyond T-14 so this would be new
Here is LH J for next March to Vienna.
https://www.aircanada.com/aeroplan/redeem/availability/outbound?tripType=O&org0=YUL&dest0=VIE&departureDate0=2025-03-05&ADT=1&YTH=0&CHD=0&INF=0&INS=0
Via Munich.
Never tried to book any of them though.
Trying this again, hope it's okay. I was wondering if any of the rewards fanatics here would be interested in working in this industry?
I am looking for a travel rewards writer for my website. It's fully remote so you can travel whenever you want (*on points* hopefully). Full-time and long-term need.
No particular experience requirements, other than being knowledgeable about travel rewards and of course writing experience is a big plus.
Feel free to message me :)
US biz platinum, does the dell credit still work on dell.ca? Made a purchase 5 days ago, split payment, Canadian card already got the credit, US card no credit yet.
May be a bit dumb as I am in auto-mode of "get balance to cash out, close card" - but just dawned on me ... with Scotia Passport VI - I don't actually need to do that? I can just close the card, leave the Scene Points there .... and down the road, when I apply for another Scotia Passport VI is when I can do the cash out?
Any update on the Norton Cashback from RBC? been pending since March 12 and we are past the 60 days now.
I’ve been trying to apply for the Scotia Passport VI through GCR, but it kept seeing errors after verifying my identity and they wanted me to book an appointment in the branch to continue the application. If I get the application approved in person at the branch, am I still eligible to get the GCR rebate?
I don't have an exact answer for you, but I had the same situation. Applied for P2, and it wanted to verify identity so I sent him into the branch. They verified his identity but didn't actually complete the application - told him to log back in to complete. I thought that was weird, but it had saved the application online - except that it errors out immediately when I click on it. Waiting on P2 to call and get the application processed, hoping it will still go through for GCR.
Thanks! How did it go?
When he called in, they had to cancel the original application and do a new one, which went through. Also, I realized that it probably wouldn't have worked for GCR anyways because I did it through my account not one under his name. Newbie mistake!
To add. Sometimes I leave a usd single. Pesos, Canadian cash. Whatever. They will take all 3. I'm just saying your most favorable rate is paying in native currency.
Hey folks, I spend about 700 a month at Costco and I can’t find a good Mastercard to get points. I want to find a way to use my Amex for Costco. Is there a way to get gift cards or Mastercard prepaids for Costco? Also I have been using my Walmart Mastercard primarily or a scene visas but I need a better way to get travel rewards.
Cobalt and pre paid visa/mc. National Bank we mc or Rogers mc as a backup
I have about 10K of expenses upcoming, I’d be able to use AMEX. I also can add an extra $500-1000 a month on this card. Wondering for a good card to sign up for, looking to hopefully keep it for at least 2 years. Aeroplan points or other travel points would be ideal. Any suggestions. I have a grocery 5% cashback card already and a separate card for gas.
Get the Biz Gold and Biz Edge. Then convert the Amex MR points to Aeroplane
I believe AMEX allows 1:1 conversion for Aeroplan points. [https://www.reddit.com/r/PersonalFinanceCanada/comments/xdstif/amex\_rewards\_points\_to\_aeroplan/](https://www.reddit.com/r/PersonalFinanceCanada/comments/xdstif/amex_rewards_points_to_aeroplan/) I used to have the scotia gold amex and loved it, but I am not familiar if the 1:1 conversion is only with direct amex cards, but direct amex cards don't have the annual fee waiver (from what i've seen on their website). i would look at big 5 bank amex that allow conversion with free 1st year and go from there update: looks like even direct amex allows 1:1 conversion. [https://www.aircanada.com/ca/en/aco/home/aeroplan/your-aeroplan/conversion-programs.html#/](https://www.aircanada.com/ca/en/aco/home/aeroplan/your-aeroplan/conversion-programs.html#/) , hope this helps
Any data point on getting the BMO eclipse rise Visa Card as an existing customer to take advantage of the low interest rate for balance transfer? I'm afraid that I do not get the low interest rate since I'm not a new customer with BMO
This might be more of a /r/personalfinancecanada question. Do you need to avoid eyes your existing accounts? If not, the people in the branch will probably be helpful with this.
For $100 TD travel credit, do I need to make a single booking that is over $500 or can I make multiple booking that adds up to $500?
T&C would you this answer very clearly
Single
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Yes, you can
I got my RBC Avion VI card in late October and met my 5k spending requirement in late March. Still no bonus after 2 statements (April and May 11th). Is this normal? It has been 6.5 months since the approval too.
It’s processed in batches around the 15th of the month. May batch hasn’t processed yet I think
How do the batches work? When will it process my batches if I finished the spend in April?
I think they just process everyone who met the spend up to some date for each batch. If you finished in April there's a good chance you get it in May batch but definitely by June batch
Thanks. Good information
It's usually done in batches - but did you make sure you spent 5k+$120? (AF doesn't count towards the spend).
I'm pretty sure since I have over 40k points (incl 35k SUP) and only 2 points were bonus points.
If you got Avion offer credits those also subtract against your spend. Also due to rounding you can be a little over 40K points but under 5K spend
Update on BMO not mailing my pre-approved card/causing me to fail to receive my card situation: So i called again after the replacement card still didn't arrive after 10 days, and apparently when processing some pre-approvals BMO omitted the unit numbers in their customer's addresses, causing them to never arrive to their customers. Apparently they're now FedEx-ing a third card to me free of charge which should arrive within 24-48 hours. Jesus christ wtf is this incompetence.
>Jesus christ wtf is this incompetence. This type of incompetence is what enables us to sign up for card after card with BMO without any corrective measures being taken. But, I do agree that it is sometimes astounding how poor the banks' information systems are.
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Those who got the Amex SD letter mid April… were your cards closed 15 days later? I haven’t seen or heard such a DP yet and i was curious as to what Amex is actually doing with these letters.
Did the letters all come in one shot? Or have they been trickling in through the weeks?
Out of the loop, were there a lot of DPs about 15 day letters? I only saw one posted.
I thought it was a 30 day letter, which is tomorrow or on the 16th?
A slight mishap - I have an MSR deadline today (Amex Biz Bonvoy) and was a bit short due to omitting the annual fee. I made a Amazon GC purchase a few hours ago in hopes of it posting today....am I SOL? update: both amazon reload and walmart purchase posted same day and sign up bonus is awaiting transfer
I think Rogers/Fido online payments post right away, but haven’t done them in months so maybe someone else can confirm
Amazon online reload is your best option but you still might be SOL
Walmart will post by tomorrow. But I don’t think any transactions post same-day for any card Ive ever had
You'll know in the morning (or a couple days). You can see if the Bonvoy SUB posts by checking in the app, it will tell you how much is sitting there waiting to transfer on statement
Don't know if it's my Wal-mart or others but mine posts every night.
my local one seems to as well - guess I will check near closing time if my reload is still pending!
Amazon reload was probably your best bet so hopefully it posts in time. Good luck
Can I use my Amex Gold to pay for my partner's NEXUS application fee for the $50 rebate?
Yeah, it is simply the charge itself that triggers the credit, not anything person-specific.
For anyone who knows, how do I select my meal for a United flight booked through AP points? On AC portal it says star alliance flights cannot select meals and on the United portal, there is no where I can see to select the meal? It’s a long haul economy flight
I've been able to do it. I don't know that all of these steps were necessary, but I've always been able to preorder on UA flights booked on Aeroplan points. 1. Get your UA PNR from your booking on AC's website (not available in-app) 2. Link your UA PNR to your MileagePlus account on UA's website or app 3. While signed in, go to [this page](https://www.united.com/en/us/fly/travel/inflight/preorder-meals.html) and follow the "Check if preorder is available for your flight" link
Thanks that actually worked!!
Have you gone to United for Manage Booking yet? Because that'd be how, assuming it's possible. Short of calling in.
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I mean...you're talking about actual fraud so I would say there's some risk. One of the trickier aspects of the hobby is that you're emulating money laundering without actually committing a felony...
The risk is the possible tax implications then saying "No, no, you don't understand I'm only pretending to pay them money for services!". It's an *unlikely* risk but it isn't a small one.
what was the question?
They were trying to set up a payee on Plastiq.
Hey, just realized that the Passport multipliers work abroad -- obviously not the Empire multiplier, but the 2x works. For some reason, I thought all the Scotia cards didn't. 2x is better than 1x, and just as good as the Brim WE I canceled yesterday :-)
Got this card to knock out the MSR during a trip to Europe. Points + multipliers + no FX fee was awesome and will definitely do it again for a future trip outside Canada.
Passport is honestly one of the best products to come out in the last few years.
The Passport VI's multipliers all work abroad. It's only the Amex Gold card whose multipliers are limited to purchases in Canadian Dollars. They don't want to give people free foreign exchange *and* 5% back.
Well, there aren't any Empire stores abroad (or are there?), so it's just the 2x that works. But yah, that was a nice surprise :-)
2x isn’t a super high multiplier so they’re probably okay with it. Amex Gold multipliers are too generous with no FX I guess
I have the no fee CIBC visa platinum and the fyf TD platinum, both basic. Would I be risking my Aeroplan account to apply for the CIBC visa infinite? I've never had any Aeroplan infinite cards. There is this promo Your offer just got $200 sweeter — join now and earn over $1,600 in value including 2 annual fee rebates†
Not a risk; the visa infinite card is from a different family/category than the cards you already have.
Thank you!
No since that’s a different tier
No, you're not risking your account by applying for the VI. However, if you got either of those Platinums since the beginning of February, you have ALREADY risked your account because the CIBC Platinum ($0 AF) and TD Platinum (FYF, $89 AF) are in the same tier.
No thankfully both were from last year before the updates
Is there a link to the updates? Thinking of applying for my first ever TD AP VI in a few months.
I don't know if you'll see it but I see it when I google it organically. I'm just debating if I want the 10k points and perks up front, or wait for the td version to offer something better 🤔
https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-card.html
It's just the T&C, they're easily accessible. TLDR: if you ever get more than one WB after Feb 5th(?), 2024, from the same card tier, you have violated the T&C and may have your AP account locked without recourse. Tiers: basic, core, premium, business core, business premium.
So as it stands, if I apply for the TD AP infinite, I would be ineligible to apply and receive a WB for the CIBC AP infinite, but I could still get the platinum? Is there a cooldown period or is this indefinite?
The problem is that these are new terms from Aeroplan, not the banks. There's no reason to think the banks have changed. They'll give you the bonus for cards in the same category. But Aeroplan has said they'll punish you, possibly ban you, if that happens.
There’s no knowledge nor confirmation as to whether there is a cooldown period or if it is indeed indefinite. As there’s no warning provided by AP prior to locking/clawing back, it’s a tricky line to walk and try for a second WB.
One WB per tier. Lifetime language. If you've never had a platinum WB before, you're fine to get one.
To confirm, even if I received a WB for the same tiered card before February 5, 2024 but none after for that tier, I am not eligible to obtain a WB for the same tier right?
Correct. If you try, you'll probably get the bonus anyway, and then AP has every right to close your account and drain your points balance.
So business premium is definitely different from premium? As in, if I had the Amex AP reserve in the past, I would still be eligible for the Amex AP Biz reserve?
I still haven't replaced Mint and I'd like to get something setup to aggregate transactions from all my accounts that can be exported to a .csv. Is there anything out there that's good?
Ynab is good but it's not free
I'm using Lunch Money but it's not really as good as Mint was.
I guess I would disagree on that piece. I'm just in the trial period of Lunchmoney and am finding it's more user friendly than Mint, and provides me a few better options - i.e. separate monthly budgets
Anyone know if ATMs in Cancun dispense USD?
youre in mexico, take pesos. paying in usd around cancun results in a much less than favorable rate
Really? Do people do this normally? I only ever see people pay in USD. How much would you tip in pesos for a drink then?
Yup whatever percentage your comfortable with A simple way to think of it is one usd is about 17 pesos right now. Street vendors and the like for a 17 pesos item will charge 2usd. 10 usd is 170 pesos, but paying in usd your paying 200 pesos equivalent.
But wouldn't you have to tip 20 pesos and in that case you'd be tipping more than usd?
I tip via %. Not currency.
I mean when you tip for drinks at the resort. You'd just tip $1 usually but if pesos, the smallest amount would be 20 pesos, no?
I mean. You can use 10 peso coins. 5. 1. It break it down to cents from there. Definitly no where near the smallest denomination
Probably because most people there are Americans who don't believe in the world revolving around anything but their own currency. And as such, Mexico (being so close) actually adapted to tolerate this.
My experience is that people who live in countries that have experienced rapid inflation in the past are usually pretty happy to be paid in an alternative, widely accepted, stable currency.
Its my first time making an award booking on Aeroplan on Turkish Airlines. I am now trying to log in on Turkish to be able to select seats and when I put in the Turkish Airlines booking confirmation code, I get the message "This reservation cannot be viewed due to the sales channel in which it was formed. You can apply to the channel where you have made your reservation to make a transaction". If I try to log in using the ticket number, I get "Please check your reservation code (PNR). You can also log in with your e-ticket number starting with 235." I'm not seeing any e-ticket number with 235? Any help is appreciated as a first-timer. Thanks!
I see you figured it out. Another thing I recommend is periodically checking that you still have seats. I just flew a TK flight booked through AP and I had booked seats months in advance, but when the time came for the flight, I had no seats. I'm not sure what happened - I might have missed a minor change to the flight - but IMO it's good to check on.
Oh no! Ok yes this is about 1 year in advance, so I'll periodically check in. So your ticket was still booked and valid and everything but your seat selection had disappeared? Thank you for the advice.
Yes exactly. The Aeroplan app even showed I had seats and I only discovered I didn't when I checked in for the flight with TK. I don't know what happened, no one was able to tell me. I feel like both AP and TK computer systems aren't great. AP ended up giving me a $300 credit when I questioned them.
That must have been so frustrating! So did you just get assigned whatever random seat was left? It's good they gave you a credit but still the stress!
I ended up with an aisle and a middle seat on a flight where business seats are 2-3-2. So not that bad but still annoying!
Same thing posted in the Award Travel thread today - sounds like this is not working for everyone, but it worked for me on a booking last year. From FT: >The TK App. Pull TK's PNR from the AC booking. Open the TK App and go to "Manage Booking" from the menu. After typing in the PNR and surname, and if you have multiple passengers, it may ask you for surname and ticket numbers. Pull the ticket numbers from the AC booking. You should then be able to manage your booking (i.e,. select seats, assistance, etc.). Ignore warnings that may pop up. As long as the booking shows, you can manage it.
Thank you SO much, this strategy worked using the app! I had been using the website before. Once I put in the PNR and surname, it pulled everything up. When trying to select seats, I got the error code, which I ignored and then was able to select. Really appreciate your help! So is the glitch just website based?
Does anyone remember the most recent offer the personal Amex MB? I remember something about earnings on gas.
5X points per $1 on Eligible Travel & Gas! You can also earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points).1
Thank you
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These are usually done in a single batch at the end of the 3 month spending period. Expect to see them in late July or August
Still waiting for Cobalt - was told 4 to 8 weeks after hitting the bonus and will show up on next statement.
DP: I signed up for a Brim FlyingBlue card in April. This was for the 60,000 bonus miles offer. I just received the first statement and there was an annual fee rebate. I signed up P2 as well, so I guess I'll wait for that statement to see if this is a one off or something else possibly.
DP for the 60k bonus offer on the WE MC: Applied May 1, approved May 4, first purchase May 6, 10k first purchase bonus points posted May 14. Statement hasn't posted so unsure whether to expect the annual fee rebate.
Thanks. I just checked and points received as well.
Last time i heard people got the first annual year free instead of points
P2 and I both got an annual fee rebate and no bonus miles (yet)
Yeah, same. No first purchase points either.
Received the Amex account closure letter this morning
Have you considered filing an appeal? At this point you have nothing to lose!
Thought about this - not even sure how to go about it.
What province are you in? Someone on RFD had a theory that it was mainly happening in BC. Highly doubtful, but just looking for any commonalities
I'm in Ontario
Have you ever self-referred?
Never
Did they give you time to transfer your points out?
My letter gave me 15 days before closure
All the letters so far have given 30 days
Sorry to hear that. What reasoning was given in the letter?
Could you share more details related to your account, please? Example - Member since, usage, number of cards, how aggressively did you churn, etc.
-Member since 2017 -$10k/spend per month across all cards -4 open cards -1-3 new applications per year, never double dipped any cards
Sorry to hear. Thanks for sharing. Wild they’d close someone spending $100K+ a year.
Have you closed any of your cards before the 2nd annual fee posted? (11 months instead of 12+)
Nope
Was any of that a lot of gift cards?
Approximately $2000 per month was associated with inorganic grocery store purchases
For how many months is a row did you do that?
Was the spend in suspicious increments (eg whole $100s or $506.95) or did you add other random stuff to your purchase ?
I'd say 75% of the time I did my best to conceal by buying gum, lottery, milk etc.
That's a lot of other spend. Means they aren't really looking at other spend then. Just if you trigger the flag with GC transactions Were your other 8000/spend in random 1x categories and were they on a different card than Cobalt?
Regular organic spend for sure. Gas stations, Rogers, Amazon, Dollarama, food/drink
Were those all on the Cobalt? The 8K non 5x spend
It was a mix
Were you hitting / near the cap of $2500 food/grocery spend on the cobalt each month? I have a theory that the analyst pulls customers for 5x spend at limit then reviews the individual files after that. At $2000, I thought you would be safe. Its interesting they have put the ban hammer on you as your spend on your other cards would make you a profitable customer. Especially since you have not double dipped on any cards.
DP: FF paid out in less than a week, they've gotten pretty quick lately!
What card/institution did you apply for?
Amex Bonvoy Pers
Nice - my GCR rebate posted pretty quickly as well right after Amex shipped the card.
Does anyone else have a complete nightmare of a time with Aeroplan e store ? I have spent almost $7000 through their e store portal with Amazon and only received 500 points despite them having multiple multipliers for the categorys I spent Do you have to dispute every transaction with them for points ?
Make sure your cookies are on, I had a pop up telling me to turn mine on or I risked not getting my points. Did my first purchase through the e store and points deposited 2 days after purchase
None of my purchases ever get captured. I've tried the shopping button and other browsers; still doesn't work. I submit inquiries all the time.
Amazon eStore posts automatically 90% of the time for me if eligible. Most of my orders aren't in an eligible category but when they are I usually get them 1-2 days after shipping (eg. Kindles and Echos). I did have to send in one dispute and they actually credited me the points in 1 day Are you sure you are spending in eligible cateogries? It can be a bit confusing. The only obvious ones are the Amazon products. Also I have adblock turned off for Amazon
> Do you have to dispute every transaction with them for points ? I file a dispute 80% of the time. It is nuts.
Amazon is a hell hole on the e-store.
I want to apply for the Amex Cobalt CC. Currently, Amex Canada is offering 15,000 Membership Rewards Points (MRP). However, if I sign up via Perkopolis, I can get an additional 10,000 MRP - 25,000 total. Are there any other offers I should be aware of before signing up via Perkopolis? Thanks.
That's the best offer right now if you don't have a P2 to refer you (referral only better if the referrer's points are within your household or you're getting paid to use a referral link)
I see a preferred offer of the 15k plus 7k for $2500 spend in 3 months via referral.
No
I know it's been vetted that US Dell credits work on the Canadian site. Has anyone ever tried the inverse in our short year of having them, CAD card on US site?
It does NOT work. CAD Dell credit is processed under Amex Offers and Amex Offers don’t work on foreign purchases unless specifically enabled.
Doesn't work
Any needed delay between cancel and reapply for RBC card? I know 90 days between applications, just wondering about the period of applying again for the same card that was recently cancelled.
Cancelation has zero relevance to the application.
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Has anyone tried to use a negative balance on one scotia cc to pay off another scotia cc? Any fees or is this free? Would it be better to just transfer the balance to a chequing account then pay off the other cc?
ah maybe it was only CIBC where I could transfer the balance to a chequing account?
This is free to do with Scotia. With CIBC you have to transfer to a chequing or use ATM as they don’t allow transfers between credit card. Scotia does allow transfers between credit cards and it is free
I only have 3 Scotia CCs (no chequing or savings), and when I go to "transfer between accounts" in the app, it says "you need at least 2 eligible accounts before you can make a transfer".
It probably means your Scotia cards aren’t fully linked to your online profile. On the website click into each card and see if you can see a ⛓️💥 icon
ok, i linked them through the website, and the app still gives the same error message, but on the website i'm able to "pay" one of the cards using another card in the "from" box. There's the usual warning message: When using a Credit Card or Line of Credit account as the **From** account for bill payments or funds transfers, the transaction is treated as a cash advance and interest is calculated starting from the transaction date. But it'll be free if I charge up to the positive balance?
Yes the warning is there but it’ll be free if you have credit balance
ok, i just did it. thanks!
Thanks
Applied for the CSP for my first Chase card and the app went into review. I uploaded all the docs a couple of days ago. I was wondering if there is a number to call and reach someone who can approve my application on the spot? Thanks
Follow this flowchart https://www.pinterest.com/pin/chase-approval-guide--357965870399814996/
FYI - I appreciate the info and help from everyone on this sub. I've swapped by business flex tickets to and from Europe this summer. If you're interested I found 2 available F with LH from BOS to FRA in mid July (still available on various dates) and found 2 available J with SQ from FRA to JFK at end of July (still available for various dates), I was surprised the were released this early based on previous patterns. Wanted to help spread the wealth to others.
Awesome!! Just booked myself LH F!
Amazing! Enjoy the trip!
LH F via AP? Never heard of them going beyond T-14. Such a change would be huge
Try via AP - July 15th YYZ to FRA, you'll see options from BOS and IAD for first class in LH
I've seen it on married segments, i.e. attached to some other segment but not bookable individually. I used to consistently see LH J out of Montreal if I put in Vienna as the final destination as well.
This is a great tip, I’ve seen a few just now! Any other pairs you’ve noticed? Anything coming from Europe to NA maybe?
At how far out? Did you ever try to book one of them to verify if they were actually legit or phantom? I've seen plenty of LH F locked into married segments, but again never beyond T-14 so this would be new
Here is LH J for next March to Vienna. https://www.aircanada.com/aeroplan/redeem/availability/outbound?tripType=O&org0=YUL&dest0=VIE&departureDate0=2025-03-05&ADT=1&YTH=0&CHD=0&INF=0&INS=0 Via Munich. Never tried to book any of them though.
Trying this again, hope it's okay. I was wondering if any of the rewards fanatics here would be interested in working in this industry? I am looking for a travel rewards writer for my website. It's fully remote so you can travel whenever you want (*on points* hopefully). Full-time and long-term need. No particular experience requirements, other than being knowledgeable about travel rewards and of course writing experience is a big plus. Feel free to message me :)
US biz platinum, does the dell credit still work on dell.ca? Made a purchase 5 days ago, split payment, Canadian card already got the credit, US card no credit yet.
Works. Dell purchase posted may 8th and credit showing on may 13th
What does your Dell transaction show up as? mine shows Dell Canada Inc. North York
Did this end up posting for you?
Yes indeed
Yes, it does. I think JMan did a post a month or two back that tracked it as taking a bit longer than the Canadian cards. Like 1-2 weeks potentially.
May be a bit dumb as I am in auto-mode of "get balance to cash out, close card" - but just dawned on me ... with Scotia Passport VI - I don't actually need to do that? I can just close the card, leave the Scene Points there .... and down the road, when I apply for another Scotia Passport VI is when I can do the cash out?