May 13, 2013, 10:15 pm
Last edit by: jerry305
CANADIAN REFERENCE ON FLYERTALK Canadian Credit Card Master List - Curated for Best Offer A complete listing of all the major credit cards in Canada along with their sign-up bonus, annual fee, CPM, and other pertinent information.
AMEX recent discussion American Express Canada application and reward strategies (2018) Which credit card should I get? Cards with good bonuses List of Credit Cards with Great Welcome bonuses (RFD version)
BLOGS Canadian Kilometers PointsNerd Rewards Canada Don't Call the Airline! Pointshogger Canadian Travel Hacking
CONFERENCE PointsU conference (2018 & 2019 website)
MilesBuzz: Canada
Apr 16, 2015, 7:26 pm
#1711
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Milesbuzz: Canada
Several hundred new card applicants are also silently wondering why, but chose to stay quiet on this topic. Now there's no need to call in, as the MBNA moles have taken note and will investigate. 
There, I pushed it behind this page. Maybe this will help.
There, I pushed it behind this page. Maybe this will help.
Apr 18, 2015, 2:11 pm
#1715
Join Date: Jun 2014
Posts: 23
You can indeed use the $200 travel credit towards a FHR booking. As for your other question: when you book online, it says that the primary traveller must be the cardholder, so I believe that yes, the cardholder needs to be present. You may be able to find a way around it, but at least when booking online, the travel needs to be made in your name.
Good luck
Apr 19, 2015, 2:15 pm
#1716
Join Date: May 2009
Posts: 821
Many Thanks! I always thought the $200 Credit is just like US issued airways CC can just use for airline upgrade/luggage fees only, never thought it can use FHR hotel
then essentially it's a good deal, just like spend $699-$200 (maybe 2 $200)=$499 buy 50K/60K(referral) Aeroplan miles
, I will begin to churn every year
then essentially it's a good deal, just like spend $699-$200 (maybe 2 $200)=$499 buy 50K/60K(referral) Aeroplan miles
, I will begin to churn every year You can book online through travel.americanexpress.ca; you just have to sign in first. I've done so before and haven't had any issues.
You can indeed use the $200 travel credit towards a FHR booking. As for your other question: when you book online, it says that the primary traveller must be the cardholder, so I believe that yes, the cardholder needs to be present. You may be able to find a way around it, but at least when booking online, the travel needs to be made in your name.
Good luck
You can indeed use the $200 travel credit towards a FHR booking. As for your other question: when you book online, it says that the primary traveller must be the cardholder, so I believe that yes, the cardholder needs to be present. You may be able to find a way around it, but at least when booking online, the travel needs to be made in your name.
Good luck
Apr 20, 2015, 7:39 pm
#1717
Join Date: May 2009
Posts: 821
one thing I do find out, correct me if I'm wrong............... credit score doesn't matter too much for home loan in Canada. New immigrant if pay 30% deposit can get home loan and Prime-0.7% easily, for people I know who don't use a lot of CC and won't have very good credit score also can get Prime-0.7% easily, customer if have a unresolved cell phone bill in past, just pay off the past due bill, also can get Prime-0.7%.............looks like credit score doesn't affect too much on loan rates
Apr 20, 2015, 10:37 pm
#1718
Join Date: Jan 2006
Location: In the air
Programs: Occasional RTW club
Posts: 6,924
one thing I do find out, correct me if I'm wrong............... credit score doesn't matter too much for home loan in Canada. New immigrant if pay 30% deposit can get home loan and Prime-0.7% easily, for people I know who don't use a lot of CC and won't have very good credit score also can get Prime-0.7% easily, customer if have a unresolved cell phone bill in past, just pay off the past due bill, also can get Prime-0.7%.............looks like credit score doesn't affect too much on loan rates
Apr 20, 2015, 10:48 pm
#1719
A FlyerTalk Posting Legend
Join Date: Apr 2004
Location: GVA (Greater Vancouver Area)
Programs: DREAD Gold; UA 1.035MM; Bonvoy Au-197; PCC Elite+; CCC Elite+; MSC C-12; CWC Au-197; WoH Dis
Posts: 52,135
Apr 20, 2015, 10:49 pm
#1720
Join Date: Jun 2013
Location: YVR
Programs: TK Gold, Alitalia Gold, AB Gold, MPC, SPG Gold, IHG, Marriott Silvr, BW Plat, AA, BA, JP
Posts: 244
Its not discriminatory lending...there are different programs for different category of clients.....new immigrants, self employed...etc....(just for qualifying purpose).... Although the rate of interest in based on different factors including credit scores...plus the Market...!!
Apr 21, 2015, 12:57 am
#1721
Join Date: Jan 2006
Location: In the air
Programs: Occasional RTW club
Posts: 6,924
Its not discriminatory lending...there are different programs for different category of clients.....new immigrants, self employed...etc....(just for qualifying purpose).... Although the rate of interest in based on different factors including credit scores...plus the Market...!!
) borrowers based on certain factors. You're right that creditworthiness is likely an acceptable factor, but I don't know how far you can take it in Canada compared to the USA, where taking out a cell phone line can affect your mortgage interest by x.x% just because you've picked up "a loan". I think we're a lot more straightforward about the way things work. Of course, I speak based only on my personal experience, and I'm not a banker, so take it fwiw.
Apr 21, 2015, 7:48 am
#1722
Join Date: May 2014
Location: YYZ
Posts: 527
Just noticed on my RBC Avion statement that they will be having a 20% conversion bonus for WestJet Dollars. BA Avios are worth more than that to me even without the (hopefully upcoming) 50% conversion bonus..
Get 20% more WestJet dollars!
Convert your RBC RewardsŪ points into WestJet
dollarsJ
from May 1 to June 15, 2015 and get
20% more WestJet dollars. Visit
rbc.com/wjconversion
Convert your RBC RewardsŪ points into WestJet
dollarsJ
from May 1 to June 15, 2015 and get
20% more WestJet dollars. Visit
rbc.com/wjconversion
Apr 21, 2015, 8:17 am
#1723
Join Date: Jan 2014
Location: yyz
Posts: 1,611
Apr 21, 2015, 12:26 pm
#1725
Join Date: Jan 2011
Location: YVR to SEA
Posts: 2,535
I've tracked promos in my sig. The last AA transfer seems to have been in fall 2013:
http://forums.redflagdeals.com/avion.../#post17586006
http://forums.redflagdeals.com/avion.../#post17586006