Originally Posted by
ffsim
Just out of curiosity: given all these shortcomings and negative experiences, why do people still use this card? I'm following this thread because (1) it's very interesting and (2) I was considering getting the card. Now it's not even a question -- I'm going to avoid it like the plague.
For me it is 1)Amex is not accepted at many places here and 2)scamcharges on Aeroplan redemptions are ridiculous so I needed a different why to redeem for flights.
I like Capital One because I can still get Qualifying miles on the flight and use my upgrade credits.
For regular spending and insurance it is inadequate though. If there was a better alternative, I would jump ship in a heartbeat. As it is, I am considering going back to CIBC depending on what happens with TD/Aeroplan and whether CIBC comes out with a solid card.