CIBC Visa & Aeroplan
#1
Original Poster
Join Date: Dec 2004
Posts: 332
CIBC Visa & Aeroplan
I noticed that there are 2 concurrent promotions for apply CIBC Aerogold and CIBC Visa Infinite. Each promotion nets you 15,000 miles. If I apply and get approved for both, would I get 30,000 bonus miles?
#2
Join Date: Jul 2007
Location: YYZ
Programs: AP
Posts: 436
If you paid both annual fees and got both cards then probably yes. But you should call and confirm first.
#4
Join Date: Feb 2009
Location: YYZ
Programs: Aeroplan, Air Miles
Posts: 942
i dont think you will get both.. I applied for Aerogold a while back and they gave me the Infinite. IF you dont already have AMEX, they are giving out 20K
#5
Join Date: Jun 2003
Location: YVR
Programs: AC E75, SPG Plat, HH peon-by-choice (ex Gold)
Posts: 8,090
I can tell you for sure that you'll get the Infinite if you qualify.
I had completed a telephone app a while ago, waited the 60 secs, and was told I was getting the Infinite. I replied I just wanted to the Aerogold (as I was planning to apply for the Infinite later). Got put on hold and was told it wasn't possible. Had to decide whether to drop the entire app or just suck it up and get the Infinite.
I had completed a telephone app a while ago, waited the 60 secs, and was told I was getting the Infinite. I replied I just wanted to the Aerogold (as I was planning to apply for the Infinite later). Got put on hold and was told it wasn't possible. Had to decide whether to drop the entire app or just suck it up and get the Infinite.
#6
Join Date: Feb 2009
Location: YYZ
Programs: Aeroplan, Air Miles
Posts: 942
I can tell you for sure that you'll get the Infinite if you qualify.
I had completed a telephone app a while ago, waited the 60 secs, and was told I was getting the Infinite. I replied I just wanted to the Aerogold (as I was planning to apply for the Infinite later). Got put on hold and was told it wasn't possible. Had to decide whether to drop the entire app or just suck it up and get the Infinite.
I had completed a telephone app a while ago, waited the 60 secs, and was told I was getting the Infinite. I replied I just wanted to the Aerogold (as I was planning to apply for the Infinite later). Got put on hold and was told it wasn't possible. Had to decide whether to drop the entire app or just suck it up and get the Infinite.
#7
Join Date: Jun 2003
Location: YVR
Programs: AC E75, SPG Plat, HH peon-by-choice (ex Gold)
Posts: 8,090
I guess I could put my income at $50K but, from what I understand, each time you do a credit app, your files over at the credit agencies get updated. It might raise some red flags if your income shows a nose dive (which could be perfectly legit) but it might also raise even more red flags when you do some other credit app with your full income again.
Anyways, I agree it's a commission grab but I just *sighed* and accepted the Infinite.
Anyways, I agree it's a commission grab but I just *sighed* and accepted the Infinite.
#8
Join Date: Dec 2009
Location: NB, Canada
Programs: Fairmont, Amex MR, Marriott
Posts: 2,531
this is kind of stupid.. the reason why they force you to take the Infinite is so they can charged the merchants more.. or so i read.. i guess if you really really want the Aerogold, just put your household income as $50K or something instead of whatever the minimum to qualify for the Infinite
I only use it as a backup card for work, so do not care to change it so they can get more fees.
#9
Join Date: Dec 2009
Location: NB, Canada
Programs: Fairmont, Amex MR, Marriott
Posts: 2,531
I guess I could put my income at $50K but, from what I understand, each time you do a credit app, your files over at the credit agencies get updated. It might raise some red flags if your income shows a nose dive (which could be perfectly legit) but it might also raise even more red flags when you do some other credit app with your full income again.
Anyways, I agree it's a commission grab but I just *sighed* and accepted the Infinite.
Anyways, I agree it's a commission grab but I just *sighed* and accepted the Infinite.
#10
Join Date: Feb 2009
Location: YYZ
Programs: Aeroplan, Air Miles
Posts: 942
#11
Join Date: Dec 2008
Location: Delta, BC
Posts: 1,645
Credit files don't contain income reports. Employers don't report to credit agencies only creditors do. The only source of income info to creditors is on the application you make to the creditor (which they may verify), but that is a one time snapshot and doesn't factor (directly) into your credit score.
#12
Join Date: Jun 2003
Location: YVR
Programs: AC E75, SPG Plat, HH peon-by-choice (ex Gold)
Posts: 8,090
Right, which is the point I was getting at. Your file gets "updated" with the info you put down in the app. The entity you're trying to get credit with might raise eyebrows if your income magically increases by multiples from the $50K stated from the last app. Not that it would affect you if you're legit, just probably more hoops to jump through.
#13
Suspended
Join Date: Jan 2010
Location: Calgary, Alberta
Programs: Hyatt Diamond, Fairmont Platinum, Aeroplan Diamond, HHonors Gold, SPG Gold
Posts: 18,686
ime.. I had the Aerogold for Business and had the opportunity to apply for an infinite card for 15K points as confirmed with CIBC.. but I lose the account history with the high balance.. because I wanted to cancel my Aerogold..
they transferred my account to Infinite.. but only received 5K points..
they transferred my account to Infinite.. but only received 5K points..
#15
Suspended
Join Date: Jan 2010
Location: Calgary, Alberta
Programs: Hyatt Diamond, Fairmont Platinum, Aeroplan Diamond, HHonors Gold, SPG Gold
Posts: 18,686