AWESOME news! You've now made me feel much more comfy about my RBC card switch. Even better with RBC - you can do it ONLINE! No pesky agents to deal with!

I have existing, long-time accounts at CIBC and BMO and now I am feeling more adventurous to try this with those banks more frequently. I guess we'll all figure out how 'clever' their systems are and how far back they go at some point!

Forget churning and credit pulls: the 'upgrade/downgrade' game could keep us all swimming in points!