Just a heads up to all thinking the Tims $400 offer is a good one....I went to a branch,applied for the products,did the direct deposit and was then denied for the Credit Card via mail! I am retired with NO debt,No mortgage on 2 homes and have an excellent credit rating. I contacted branch,call center and social media. They agreed to look at my application IF I submitted my Record of Assessment from my taxes. I have not been asked for this EVER in the past by any other issuer. I even held a CIBC card up until last Nov. They also said that I should try not to apply for any other credit cards in the future ( just theirs I suppose).I still plan to escalate this. Stay tuned. Classic bait and switch? Not impressed.I find this very intrusive for such a low level card.