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)
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
#1756
Join Date: May 2014
Location: YYZ
Posts: 527
On the topic of Amex, posting to equifax and year of Amex influencing credit score:
Amex posted to Equifax virtually overnight. It has been on there now for 2 full business days.
It has had no influence on credit score - score remained the same even though the Amex says date opened 2003-11.
It says months reviewed 1 (even though there have been 2 statements in Canada and it is the second statement amount showing).
Should the months reviewed be 2 or all the way back to 2003?
Do charge cards from Amex not influence the credit score, and should they be credit cards to have an impact?
Amex posted to Equifax virtually overnight. It has been on there now for 2 full business days.
It has had no influence on credit score - score remained the same even though the Amex says date opened 2003-11.
It says months reviewed 1 (even though there have been 2 statements in Canada and it is the second statement amount showing).
Should the months reviewed be 2 or all the way back to 2003?
Do charge cards from Amex not influence the credit score, and should they be credit cards to have an impact?
#1757
Join Date: Feb 2015
Location: Canada
Posts: 5
Plastiq
Hi everyone,
Sorry, I am quite new at this so this topic might have been discusees...but does anyone have any experience with "Plastiq" website. Apparently it can be used to pay by cc for things you normally can't.
Thanks!
Sorry, I am quite new at this so this topic might have been discusees...but does anyone have any experience with "Plastiq" website. Apparently it can be used to pay by cc for things you normally can't.
Thanks!
#1758
Join Date: May 2014
Location: YYZ
Posts: 527
I've used it before. Be careful because some cards will label it as a cash advance. Keep in mind there is a 2.5% fee for using their service.
#1759
Join Date: Feb 2015
Location: Canada
Posts: 5
Thanks as always zer0k1!
So I guess there is no guarantee whether it will be considered as a regular card use or cash advance. In that case I would say it's not worth the risk.
Do you have any idea as to which cards consider it a cash advance? currently I have all three, amex (Glod), visa(TD) and MC (BMO)
So I guess there is no guarantee whether it will be considered as a regular card use or cash advance. In that case I would say it's not worth the risk.
Do you have any idea as to which cards consider it a cash advance? currently I have all three, amex (Glod), visa(TD) and MC (BMO)
#1760
Join Date: Jan 2012
Location: YYZ, Canada
Posts: 120
Thanks as always zer0k1!
So I guess there is no guarantee whether it will be considered as a regular card use or cash advance. In that case I would say it's not worth the risk.
Do you have any idea as to which cards consider it a cash advance? currently I have all three, amex (Glod), visa(TD) and MC (BMO)
So I guess there is no guarantee whether it will be considered as a regular card use or cash advance. In that case I would say it's not worth the risk.
Do you have any idea as to which cards consider it a cash advance? currently I have all three, amex (Glod), visa(TD) and MC (BMO)
#1761
Suspended
Join Date: Jan 2011
Location: YYJ
Posts: 2,230
#1763
Join Date: Jan 2012
Location: YYZ, Canada
Posts: 120
Also, to buy the valuable points - alaska, american, spg - you are paying in US funds and as we know, the rate is hurting us. Alaska and American also charge HST as well as a processing fee.
For a quicker hit of points using a sale works better as they are deposited immediately but it hurts Canadians because of exchange rates/additional fees.
However, as a long term, gradual method to accrue points it is a nice option. I use it for SPG points with my Amex SPG card. Also, the Amex gold business card has partnered with Plastiq as a supplier so you can get double MR points on purchases. I'll move over to that once I get to my SPG points requirement for some upcoming travel.
Saying all this, my experience has been a bit of a struggle. Their website isn't polished and I have had a lot of chats with their tech department to get payments to flow. Also, Amex has its own problems. They indicate Plastiq is a supplier on their public site but you can't select them once into your account. I now have an arrangement where they need to process all Plastiq bonus points manually.
Anyway, just another view.
#1764
Join Date: May 2014
Location: YYZ
Posts: 527
Not necessarily. It isn't cheap, but they do have many vendors where they charge just 1.99%.
Also, to buy the valuable points - alaska, american, spg - you are paying in US funds and as we know, the rate is hurting us. Alaska and American also charge HST as well as a processing fee.
For a quicker hit of points using a sale works better as they are deposited immediately but it hurts Canadians because of exchange rates/additional fees.
However, as a long term, gradual method to accrue points it is a nice option. I use it for SPG points with my Amex SPG card. Also, the Amex gold business card has partnered with Plastiq as a supplier so you can get double MR points on purchases. I'll move over to that once I get to my SPG points requirement for some upcoming travel.
Saying all this, my experience has been a bit of a struggle. Their website isn't polished and I have had a lot of chats with their tech department to get payments to flow. Also, Amex has its own problems. They indicate Plastiq is a supplier on their public site but you can't select them once into your account. I now have an arrangement where they need to process all Plastiq bonus points manually.
Anyway, just another view.
Also, to buy the valuable points - alaska, american, spg - you are paying in US funds and as we know, the rate is hurting us. Alaska and American also charge HST as well as a processing fee.
For a quicker hit of points using a sale works better as they are deposited immediately but it hurts Canadians because of exchange rates/additional fees.
However, as a long term, gradual method to accrue points it is a nice option. I use it for SPG points with my Amex SPG card. Also, the Amex gold business card has partnered with Plastiq as a supplier so you can get double MR points on purchases. I'll move over to that once I get to my SPG points requirement for some upcoming travel.
Saying all this, my experience has been a bit of a struggle. Their website isn't polished and I have had a lot of chats with their tech department to get payments to flow. Also, Amex has its own problems. They indicate Plastiq is a supplier on their public site but you can't select them once into your account. I now have an arrangement where they need to process all Plastiq bonus points manually.
Anyway, just another view.
Thanks!
#1765
Join Date: Jan 2012
Location: YYZ, Canada
Posts: 120
#1766
Join Date: May 2014
Location: YYZ
Posts: 527
#1767
Suspended
Join Date: Jan 2011
Location: YYJ
Posts: 2,230
Not necessarily. It isn't cheap, but they do have many vendors where they charge just 1.99%.
Also, to buy the valuable points - alaska, american, spg - you are paying in US funds and as we know, the rate is hurting us. Alaska and American also charge HST as well as a processing fee.
For a quicker hit of points using a sale works better as they are deposited immediately but it hurts Canadians because of exchange rates/additional fees.
However, as a long term, gradual method to accrue points it is a nice option. I use it for SPG points with my Amex SPG card. Also, the Amex gold business card has partnered with Plastiq as a supplier so you can get double MR points on purchases. I'll move over to that once I get to my SPG points requirement for some upcoming travel.
Saying all this, my experience has been a bit of a struggle. Their website isn't polished and I have had a lot of chats with their tech department to get payments to flow. Also, Amex has its own problems. They indicate Plastiq is a supplier on their public site but you can't select them once into your account. I now have an arrangement where they need to process all Plastiq bonus points manually.
Anyway, just another view.
Also, to buy the valuable points - alaska, american, spg - you are paying in US funds and as we know, the rate is hurting us. Alaska and American also charge HST as well as a processing fee.
For a quicker hit of points using a sale works better as they are deposited immediately but it hurts Canadians because of exchange rates/additional fees.
However, as a long term, gradual method to accrue points it is a nice option. I use it for SPG points with my Amex SPG card. Also, the Amex gold business card has partnered with Plastiq as a supplier so you can get double MR points on purchases. I'll move over to that once I get to my SPG points requirement for some upcoming travel.
Saying all this, my experience has been a bit of a struggle. Their website isn't polished and I have had a lot of chats with their tech department to get payments to flow. Also, Amex has its own problems. They indicate Plastiq is a supplier on their public site but you can't select them once into your account. I now have an arrangement where they need to process all Plastiq bonus points manually.
Anyway, just another view.
#1769
Join Date: Mar 2007
Posts: 4,784
Yes, I think
Not sure. I think Max 2 CC + Unlimited AMEX CHARGE cards
#1770
Join Date: Dec 2014
Programs: CX, AF, UA
Posts: 214
Tried to get the Amazon Chase card through Amazon a while back for the currency exchange incentive. Figured it would be easier to get then the Marriott, and is also a no fee so could keep it forever after without AF for no currency exchange fee. I got declined however because not 1 year credit history in Canada.
Does anyone know Chase's full criteria for approving their cards? Would love the no currency fees.
Does anyone know Chase's full criteria for approving their cards? Would love the no currency fees.